Hurricane Helene hit Florida hard, ripping roofs from homes, record-breaking storm surges flooding neighborhoods, and damaging businesses across the region. For many, the path to recovery has been a long and uncertain one. If your home or property was damaged and your insurance claim hasn’t covered your full losses, you may be wondering what more can be done.
At Larry Moskowitz, PA, we work with Florida homeowners and property owners to fight for fair payouts of hurricane-related claims after devastating storms.
The Aftermath of Hurricane Helene
Hurricane Helene brought severe wind, rain, and flooding to Florida, leaving behind:
- Structural damage to homes, roofs, and businesses
- Water and mold intrusion inside walls and floors
- Destroyed personal property, including electronics, furniture, and appliances
- Power outages and business disruptions, impacting income and daily life
While insurance is intended to provide relief, many policyholders have faced delayed, underpaid, or denied claims, making it nearly impossible for them to move forward. In cases involving catastrophic flooding, insurance companies often point to exclusions in standard policies, leaving homeowners to rely on the National Flood Insurance Program (NFIP) to cover flood damage.
Types of Compensation Typically Covered by Insurance Companies
Legal representation from experienced property damage attorneys can help you navigate your policy and your property damage claim in several areas, including:
- Structural and Extensive Property Damage: This significant property damage encompasses the foundation, roof damage, walls, doors, windows, and attached structures, such as garages or porches. Wind damage that causes driven rain, broken windows, and collapsed roofs often falls under this category.
- Additional Property Damage: Furniture, clothing, appliances, electronics, and valuables damaged or destroyed in the storm can be covered if the damaged property is properly documented.
- Business Interruption: For business owners, an experienced hurricane damage attorney may help recover lost income due to closures, supply chain disruptions, or physical property damage.
- Mold Remediation: If mold developed due to water intrusion and your insurance company delayed action, remediation costs may also be compensable.
- Debris Removal and Emergency Repairs: An insurance claim should also cover costs for tree removal, tarp services, or emergency board-ups to secure your property after the storm.
How a Hurricane Damage Lawyer Facilitates the Hurricane Helene Insurance Claim Process
Filing a successful hurricane damage claim may seem straightforward, but insurance companies often use complex language, strict deadlines, and technicalities to reduce their payouts. A hurricane lawyer helps the complex insurance claims process by:
- Reviewing your insurance policy in detail to determine all areas of coverage
- Gathering and organizing documentation to support your losses
- Negotiating directly with the insurance company to demand fair compensation
- Filing appeals or lawsuits if your claim is denied or underpaid
At Larry Moskowitz, PA, we take the stress off your plate and fight for the full value of your damages, not just what the insurer is willing to offer.
Steps to Take After a Property Damage Claim
To ensure the best possible outcome in your hurricane claim, take these important steps immediately after the storm:
- Document everything by taking photos and videos of the damage before any cleanup begins.
- Keep receipts of all receipts for necessary repairs, hotel stays, or out-of-pocket costs.
- Avoid permanent repairs until after an insurance adjuster inspects the property.
- File your claim promptly to avoid missed deadlines.
- Consult a hurricane lawyer for legal assistance if you face delays, confusing communication, or insufficient settlement offers.
An experienced hurricane insurance lawyer knows how to handle insurance policy challenges. When filing insurance claims, your legal team at Larry Moskowitz, PA, will handle all your legal concerns and will fight to get your storm-related expenses covered.
Common Challenges With Hurricane Insurance Claims
Many homeowners face similar obstacles after filing a hurricane claim:
- Lowball settlement offers that don’t reflect the real repair costs
- Denials based on vague or technical reasons (e.g., blaming storm surges and floods instead of wind damage)
- Delays in inspection or payout due to high claim volumes
- Confusion over policy terms, exclusions, or limits
- Lack of communication from insurance adjusters
A hurricane lawyer knows insurance law, how to handle these challenges, and how to push back when the insurance company isn’t playing fair.
Let Us Help You Recover What You’re Owed
While standard homeowners’ insurance policies may not cover flooding, most policies will cover other storm-related expenses. When you’re trying to figure out your insurance coverage after a major storm, like Hurricane Helene, with the right legal support, you can fight for the compensation you need to rebuild and move forward.
At Larry Moskowitz, PA, we offer free consultations and contingency-based representation, meaning you pay nothing unless we win.
Contact us today to learn how we can help you file a claim and recover after Hurricane Helene.