Hurricane Tobias Claims

Tobias is one of the many names on the list to be assigned to 2022 tropical cyclones. While we are not certain that Tobias will amount to anything significant, whether or not it will be upgraded to a hurricane, and most importantly, whether or not it will impact Florida, we do know for certain that there will be hurricanes this season that do.

 In fact, NOAA is predicting “a likely range of 14 to 21 named storms (winds of 39 mph or higher), of which 6 to 10 could become hurricanes (winds of 74 mph or higher), including 3 to 6 major hurricanes (category 3, 4 or 5; with winds of 111 mph or higher). NOAA provides these ranges with a 70% confidence.”

Contact 1-800-Injured To Get Support For Your Hurricane Claim Right Away

As a home or business owner in Florida, you need to understand the claims process after a hurricane, and especially to know why it is so essential that you partner with an attorney who can help you through the process. 1-800-Injured is an attorney and medical referral service and for years has connected Floridians with hurricane claims attorneys after they have realized that the insurance company is unwilling to pay the total amount without a fight.

Read more below about hurricane claims, and contact 1-800-Injured as soon as the hurricane clears to avoid a drawn-out, contentious fight with your insurer for the compensation you are entitled to.

What Does A Homeowner’s or Business Policy Cover After a Hurricane?

Most homeowners’ and business insurance policies cover damage caused by high winds and rain but not by flooding. That’s why it’s important to have a separate flood insurance policy and understand what these policies cover and do not. Insurers will leverage this complexity as they try to settle your claim as quickly — and inexpensively — as possible.

If you only have a homeowner’s or business policy, you’ll be covered for damage caused by the high winds and rain of a hurricane, but not by any resulting flooding. If your home is damaged by both high winds and rain and then subsequently floods, you’ll have to file two separate claims, one with your homeowner’s or business insurance company and one with your flood insurance company.

Why Is It So Important to Work With a Lawyer For a Hurricane Claim?

There are many reasons why it is important to have a lawyer on your side after you’ve suffered hurricane damage and filed a claim with your insurance company.

First, as we mentioned above, the claims process is complex, and insurers will try to take advantage of this complexity to settle your claim quickly and inexpensively. An experienced hurricane claims lawyer will be familiar with the process and will be able to help you navigate it.

Second, insurers are notoriously reluctant to pay out on hurricane damage claims, even when they are clearly liable. They will often try to low-ball claimants or deny their claims outright. An experienced hurricane claims lawyer will know how to deal with these tactics and will fight to get you the full amount of compensation you are entitled to.

Third, insurers will often try to pressure claimants into giving a recorded statement or signing away their rights without fully understanding what they are doing. This is a common tactic insurers use to avoid paying claims, and it can be very effective if a lawyer does not represent the claimant. An experienced hurricane claims lawyer will protect you from these tactics and make sure that you do not inadvertently say or do something that could jeopardize your claim.