Home and Condo Owners Hurricane Insurance Claims

Hurricane Irma struck Florida with immense force, devastating entire communities all across Florida — the Keys were left in ruins, and property in Miami, Jacksonville, St. Augustine, Marco Island, and Naples, among other communities, suffered severe damage.

Finally dissipating on Sept. 16 after two weeks of carnage, Hurricane Irma earned its place as the strongest observed hurricane in the Atlantic since Wilma in 2005. Irma left in its wake damaged homes, garages, and other property; and now homeowners and condo owners are trying to navigate what can be confusing and contentious insurance claim proceedings.

You Shouldn’t Be Victimized Twice

Whether you are struggling with an insurance company that is simply ignoring or delaying your claim, or refusing to pay what is right, we can help. If you’ve already been the victim of hurricane damage, you shouldn’t also be the victim of an insurance company that won’t live up to its end of the bargain.

Our hurricane lawyers at Morgan & Morgan have handled thousands of homeowners and condo owners insurance claims involving hurricane damage over the course of dozens upon dozens of major hurricanes and tropical storms.

Many homeowners hurricane claims involve a lot more than just wind damage. Hurricanes cause not only structural damage to the roof and home, but cause water damage to the interior and contents of a home as well — water damage often then leads to mold damage.


What are your rights as a homeowner? Download our free Homeowners Insurance Claim Bill of Rights today.


What a Typical Homeowners Policy Covers

The typical insurance policy for homeowners covers damage to the home and damage to the contents in the home. Most policies also provide coverage for “additional living expenses” while the homeowner is out of the house. These additional living expenses pay for a hotel or a rental home while the damaged property is being repaired.

Additionally, most policies provide coverage for debris removal and increased costs associated with bringing the home up to code.

Condo Owners Policies Account for Unique Problems

Our hurricane lawyers represent both individual condo owners and condo associations throughout Florida for hurricane insurance claims. Condo owners and condo associations face unique problems after a storm. There are typically two insurance policies at play when there is damage to a condo. The individual condo owner has a policy that covers from “the paint in,” and the contents of the condo, while the condo association covers the “common elements,” such as the roof, drywall, and structural elements. Many times there is also a flood policy that applies to some of the loss.

Whether you are fighting an insurance company that is ignoring or delaying your claim, or refusing to pay what is right, we can help. Many condo owners hurricane claims involve much more than wind damage. Hurricanes cause not only structural damage to the roof and building, but also water damage to the interior and contents. This water damage can lead to mold damage.

The typical condo owners insurance policy covers the inside of the condo and damage to the contents in the condo. Most policies also provide coverage for “additional living expenses” while the condo owner is out of the unit. These additional living expenses pay for a hotel or a rental home while the damaged property is being repaired.

Florida Insurance Lawsuits Could Be Free of Charge

If you’re struggling with a homeowners or condo owners insurance claim after a hurricane, don’t hesitate to contact our hurricane lawyers at Morgan & Morgan for a free, no-risk case evaluation. In Florida, in most cases, if we win the insurance company will be required to cover attorneys’ fees and costs. If we lose, we work for free.