Hurricane & Storm Damage

Florida Hurricane and Storm Damage Lawyer

When hurricanes or tropical storms strike Florida, they leave more than just physical destruction. Property damage, financial losses, and the stress of navigating insurance claims can turn an already traumatic event into a prolonged challenge. At Leon Attorneys, we help clients throughout Florida navigate the insurance claims process for hurricane and storm damage, so you can focus on getting your life and property back in order.

Our team is committed to helping clients properly document their losses, understand their policy coverage, and pursue fair and timely compensation under their insurance agreements. Whether you’re dealing with a denied claim, an underpaid settlement, or need help filing a new claim, we are here to support your recovery every step of the way.

Understanding Hurricane Insurance Claims in Florida

Florida residents know that hurricane season is an annual threat. While many property owners carry storm or wind insurance, getting those policies to pay out after a disaster isn’t always easy. Insurance companies may dispute the cause of damage, understate repair costs, or delay payment altogether.

Hurricane and storm damage claims can include losses related to:

• Roof damage or complete roof failure
• Broken windows, doors, and siding
• Structural damage to walls or foundations
• Flooding and water intrusion (if a separate flood policy exists)
• Electrical, plumbing, or HVAC system failure
• Interior damage to floors, ceilings, furniture, and appliances
• Mold and mildew development
• Loss of use or temporary relocation costs
• Business interruption and inventory loss for commercial properties

Understanding what is covered and how to document these losses correctly is essential for a successful outcome. Our attorneys assist clients in navigating the fine print of homeowners, renters, or commercial insurance policies.

Our Role in the Hurricane Claims Process

1. Initial Consultation and Policy Review

We start by evaluating your situation and reviewing your policy to help you understand your rights. Whether your claim is just beginning or you’ve received a denial, we provide clear guidance on how to proceed.

2. On-Site Damage Assessment

We work with claim professionals, estimators, and licensed contractors to assess all damage. This includes visible structural damage and hidden issues like water intrusion or compromised wiring that may not be obvious at first glance.

3. Comprehensive Documentation

Insurance claims are only as strong as their supporting evidence. We help you:

• Photograph and record all areas of damage
• Compile estimates and repair invoices
• Provide a full inventory of lost or damaged belongings
• Document temporary relocation or business disruption costs

4. Filing, Negotiating, and Resolving Your Claim

Once your claim is submitted, we manage communications with the insurer and handle all correspondence, negotiation, and settlement discussions. If your claim is denied or underpaid, we explore dispute resolution strategies, including appraisal or litigation if necessary.

Why Claims Get Denied or Underpaid?

Many Florida homeowners are surprised to learn how often valid hurricane claims are disputed or underpaid. Common reasons include:

• “Pre-existing damage” arguments
• Disputes over whether wind or flood caused the damage
• Lowball repair estimates from the insurer
• Partial denial of certain components of the claim
• Delayed processing beyond what’s considered reasonable

These tactics can be discouraging, but they are not the end of the road. We help clients respond to insurance company delays and denials by reinforcing their claim with facts, documentation, and policy interpretation.

Working with a Hurricane Claim Attorney Can Help

While it’s possible to file a claim on your own, working with an attorney can help level the playing field against large insurance companies. We assist with:

• Understanding the fine print in your policy
• Avoiding mistakes that could lead to a denial
• Responding to Requests for Information (RFIs)
• Challenging low settlement offers
• Taking legal action when necessary

Our team provides support from the moment damage occurs until your claim is resolved.

Time Is Critical After a Hurricane

Florida law places certain time limits on hurricane damage claims. In many cases, you must notify your insurer of losses within a set period. Prompt action improves your chances of a favorable outcome and helps avoid delays caused by fading evidence or expired deadlines.

Don’t wait to get started. Even if the storm occurred months ago, we can review your situation and determine the best course of action moving forward.

Real Relief, Real Results

We’ve helped many Floridians navigate the complex insurance claim process after major storms. Our firm’s involvement often leads to more complete documentation, more accurate damage assessments, and a better understanding of what you’re entitled to under your policy.

We approach every case with the same level of dedication, professionalism, and commitment to clear communication. Your recovery is our goal.

Schedule a Consultation with a Florida Hurricane Damage Attorney

If your home or business has been damaged by a hurricane, windstorm, or tropical system, don’t face the insurance company alone. At Leon Attorneys, we help Florida property owners navigate every step of the storm damage claim process so you can move forward with confidence.

Let us help you recover what you’re entitled to under your insurance policy. Call us today or request a consultation to get started.