How hurricane coverage works
Florida property policies are required to offer coverage for hurricane damage. Most commercial properties and condominium associations either include it in their property policy or write it separately, sometimes through Citizens Property Insurance Corporation.
A few points that often surprise policyholders:
- Hurricane deductibles are usually separate from your regular deductible and are often a percentage of your dwelling limit (commonly 2%, 5% or 10%).
- Flood and storm surge are typically excluded from standard property policies and require separate flood coverage.
- Policies define when hurricane coverage applies based on official watches and warnings, so the timing of the damage can matter.
Why storm claims get underpaid
A major storm can take a large bite out of an insurer’s surplus. Some companies manage those losses by lowballing, delaying or denying claims payments.
Preparing your proof of loss is detailed, time-consuming work. A good public adjuster can take much of the paperwork off your hands, but not every adjuster deals ethically. Mr. Sapourn can quarterback your claim by helping you choose an ethical, experienced licensed Florida Public Adjuster. Together they work to value the claim properly and ask the right questions.
When the insurer will not be fair
If your insurance company simply will not offer a fair settlement, you may need an attorney. Mr. Sapourn has handled storm claims for homeowners and businesses across Melbourne, the Space Coast, Orlando and the rest of Florida. Call to schedule a free consultation.