Destin Insurance Disputes Lawyers
Fighting to get home and business owners the insurance proceeds they deserve
If you own a home or a business in Destin, one of Florida’s popular tourist attractions, you want to protect your property and your investment. One of the most traditional ways of buying protection is through the purchase of an insurance policy. In return for monthly premiums, you should be covered for any damages and events covered by the policy.
At Warhurst Law, our business is the resolution of insurance disputes. If you have been denied fair compensation for your losses, our Destin insurance dispute attorneys want to help. Warhurst Law has for clients throughout Florida. Call today to learn if we can help you too.
Types of insurance coverage
Homeowners and property owner’s insurance covers damage to the exterior and interior of your home. Every policy is different, but typical homeowners’ policies will cover damage to:
- Basements and floors
- Electrical, air conditioning, and plumbing
- The foundation, walls, ceilings, and rooms
- Appliances, furniture, clothing, and all personal items (called “contents”)
- Damage to outside structures and landscaping
- The cost to move to a new residence while repairs or rebuilding takes place
Business interruption insurance should cover:
- The loss of income due to having to put your business on hold
- Damage to inventory, tools, and equipment
- Damage to computer systems including the data and customer accounts
- Damages due to the inability to enter or exit the property
- Destruction of any other physical business assets
- The cost to move to a temporary location
- The cost to rent or lease equipment and other business essentials
- The cost to have IT professionals bring the business back online
- The expense to notify customers, clients, and vendors that the business is suspending/resuming operations
Churches, synagogues, and other religious institutions, along with charities and nonprofits, can also purchase business interruption insurance. Business interruption is usually separate from property insurance protection for buildings and other business property.
Florida’s supplemental claims rule
Typically, a property owner has one year to file an insurance claim. But Florida has a special rule for claims that are denied. Basically, if you submit your claim and the insurance companies denies it, you can actually file a breach of contract lawsuit against the insurance company – and the statute of limitations on that is 5 years from the date of the loss.
Florida also allows you to reopen claims if you have additional damage. You get an additional 3 years for a supplemental claim for losses during windstorms and/or hurricanes:
627.70132 Notice of windstorm or hurricane claim.—A claim, supplemental claim, or reopened claim under an insurance policy that provides property insurance, as defined in s.624.604, for loss or damage caused by the peril of windstorm or hurricane is barred unless notice of the claim, supplemental claim, or reopened claim was given to the insurer in accordance with the terms of the policy within 3 years after the hurricane first made landfall or the windstorm caused the covered damage. For purposes of this section, the term “supplemental claim” or “reopened claim” means any additional claim for recovery from the insurer for losses from the same hurricane or windstorm which the insurer has previously adjusted pursuant to the initial claim. This section does not affect any applicable limitation on civil actions provided in s. 95.11 for claims, supplemental claims, or reopened claims timely filed under this section.
If you were already paid out for your claim, but you have additional damages, you may be eligible for a larger compensation package. Warhurst Law has been very successful in obtaining additional compensation under Florida’s laws for supplemental claims, often securing millions of dollars for businesses and churches, and hundreds of thousands for individuals and residential claims.
About Hurricane Michael
Hurricane Michael was the most recent natural disaster in Florida, striking the Florida Panhandle in October 2018. Michael was a Category 5 hurricane – the first to hit the contiguous US states since Hurricane Andrew. Nearly 60 Americans were killed. The economic damages were record-breaking.
Claimants may still have time to file claims with the insurance companies. Our skilled insurance dispute lawyers are ready to help verify your right to file a claim and to help you properly document and claim all your damages.