Were You Affected by Hurricane Irma? You Have a Limited Time to Recover Financial Compensation!
In September 2017 Hurricane Irma—the largest and most intense hurricane to hit the continental United States since Hurricane Katrina in 2005—made landfall, causing devastation throughout the northeastern Caribbean and across Florida, particularly the Florida Keys. The Category 5 storm cut a path of destruction that left many people struggling to rebuild their lives in its wake.
If you lost your home, your business, or were otherwise affected by a hurricane or windstorm, you can turn to your insurance provider for financial relief. However, it’s important that you act quickly, as time is running out to file Hurricane Irma insurance claims. If you suffered damages due to Hurricane Irma in 2017, we strongly encourage you to reach out to our firm for assistance in filing your insurance claim. In addition to helping clients with initial filings, Strems Law Firm, P.A. can also help you if the insurance company has delayed or denied your claim.
What Hurricane-Related Damages Does My Insurance Cover?
While every homeowner’s or commercial property owner’s policy is slightly different, most policies cover certain storm-related damages. Notably, homeowners’ and business insurance policies do not cover floods; in order to protect your home or business from hurricane-related flooding, you will need to supplement your standard policy with flood insurance.
If you suffered damages due to Hurricane Irma, you could recover compensation for the following:
- Wind and other damage to your home or commercial property
- Flooding, if you have supplemental flood insurance
- Damage to additional structures
- Damaged or destroyed personal property
- Vehicle damage
- The cost of additional living expenses
- Lost earnings
- Business assets, including commercial property
- Losses incurred due to business disruption
The exact coverage you have will vary somewhat, depending on your specific policy. It’s important to review and ensure that you understand your policy to know what hurricane coverage you have.
What If I Don’t Own My Home?
Renters do not have to worry about seeking compensation for damages to the actual structures in which they live; that responsibility falls to their landlords. Landlords should have commercial property insurance to cover the damages caused to their tenants’ homes due to hurricanes and other major storm events.
However, if your personal property inside your apartment or rental home was damaged during Hurricane Irma, you can file a claim with your own insurance provider if you have renters’ insurance. This is an optional policy and, if you do not have renters’ insurance, you will not be able to recover for damage to your personal property, even if that damage occurred as a result of Hurricane-related damages to your rental home.
What If I Live in a Condo or Mobile Home?
If you own a condominium that was damaged in Hurricane Irma, you have two sources of compensation. Structural damage will be covered under your condo association’s master policy, which you pay in your HOA fees. Additionally, your comprehensive condo insurance will cover damage to interior walls, ceilings, and floors, as well as any personal property damage and/or losses you suffer.
If you live in a mobile home, whether you own or rent, it is important that you have an insurance policy that protects you in the event of a hurricane. Mobile homes lack the stable foundations that other types of residential and commercial properties have, making them far more susceptible to hurricane damage. It’s important that you go over your policy and make sure that you are covered.
What About Business-Related Hurricane Damages?
Hurricane Irma didn’t just destroy people’s homes; it also caused damage to countless businesses and thousands of people’s livelihoods. If you lost your business or were forced to temporarily shut down or relocate due to damage caused by Hurricane Irma, you can seek compensation through your standard commercial insurance policy and/or your business disruption policy.
Depending on the exact policy you have, you can potentially recover for losses such as:
- Damage to the physical structure of your commercial property (if you own the building)
- Damage to business assets, including electronics, equipment, tools, and inventory
- Financial losses suffered while waiting for infrastructure repairs, such as payroll, income, etc.
- Costs associated with the temporary relocation of your business
Don’t Wait to File Your Hurricane Irma Claim
If you suffered damage to your home, apartment, business, or vehicle as a result of Hurricane Irma, we urge you to file a claim without delay. If you need help with any aspect of your claim, or if you simply have questions about recovering compensation through your hurricane insurance policy, don’t hesitate to contact Strems Law Firm, P.A. right away. Our attorneys are ready to put their considerable experience and record of success in these types of claims to work for you.
Contact usnow to get started.