So far it has been a mild hurricane season in South Florida. However, there are still isolated events like the tornado that damaged some thirty homes in the Tamarac area on August 2, 2011. Many newspapers describe the damage as mild. As a South Florida homeowner’s insurance claims attorney I am almost certain that the affected individuals do not consider this damage mild. Most newspapers and TV stations do not report the aftermath of these events.
After an event like a tornado a homeowner will have to deal with the emotional and practical problems that accompany the damage to the property. In such situations a homeowner in South Florida should take the following steps;
1. Contact your insurance company to report the loss.
2. Take all necessary steps to prevent the loss from worsening. For example, if there is a leak on the roof it would be wise to place a tarp to avoid water from coming in. Another example, if there is a broke pipe, then the water should be turned off. If you are going to make temporary repairs to the home until the claim is processed, then make sure to hire a licensed contractor.
3. Take pictures of loss or damage and keep receipts of any repairs made.
4. Hire an attorney. An attorney will help you process the claim and will know how to present the claim to your insurance company and will assure that you get maximum compensation. Make sure that if anybody from the insurance company is going to interview you, take a recorded statement, or an eou, that your attorney is present.
Please note that if you are making repairs your home like replacing the roof or replacing tile that you may be limiting yourself to that amount of compensation. For example, if you spend $25,000 replacing your roof, then you will not be able to get a higher amount for that repair.
Dealing with the aftermath of an event like a tornado, hurricane, or tropical storm can be difficult. Miami storm insurance claims attorneys are here to assist you 24/7. If you have any questions call Goldstraj & Associates at 305.764.9907 or 1.888.413.8353.