Hurricane Insurance Dispute Attorneys in Florida
Fighting for the victims of Panhandle, Gulf Coast, and Florida Hurricanes for nearly 25 years
Michael. Irma. Wilma. Dennis. Andrew. These are the names of some of the most crushing hurricanes in Florida history. Florida is especially prone to hurricanes, cyclones, and tropical storms because of its location near the Atlantic Ocean, the Gulf of Mexico, and the Caribbean Sea.
Sadly, when hurricanes strike, insurance companies are more interested in protecting themselves than in helping their policyholder. Relief through federal programs such as the Federal Emergency Management Agency (FEMA) can take a long time and often offers very little. At Warhurst Law, we have the experience you want on your side when your insurer is playing fast and loose with your claim. Gene Warhurst has earned the respect of the insurance community due to his years of experience as an insurance adjustor and a seasoned hurricane insurance lawyer. When you need help, we are here.
Verdicts and settlements obtained by Warhurst Law for hurricane victims
Hurricanes do extensive damage, and insurance companies often try to deny claims. After Hurricane Katrina and Hurricane Ivan swept through the Gulf, individuals, business, and churches were often left with nothing. Warhurst Law worked with residential, commercial, and non-profit policyholders to get them the real help they needed.
- $26 million settlement for an apartment complex previously offered $3 million
- $11 million settlement for an apartment complex’s property damage, settled pre-suit
- $2.2 million settlement for an A/C business which was originally offered $200,000
- $1.3 million settlement for a radio station originally offered $19,000
- $700,000 settlement for a high school that was originally offered nothing
- $750,000 settlement for a property damage claim for an apartment complex
Why Florida hurricanes are so dangerous
According to the Florida Division of Emergency Management, the main dangers of hurricanes are:
- Storm damage
- Inland flooding
- High winds
Hurricanes are classified by their intensity, from Category 1 through Category 5. Cat 5 hurricanes, like Hurricane Michael in 2018, are the most frightening, and likely to do the most damage. According to Emergency Essentials, storms are categorized in the following ways:
- Category One – wind speeds of 74-95 miles per hour, capable of producing dangerous winds causing damage to a building’s exterior, trees, and power lines.
- Category Two – wind speeds of 96-110 miles per hour, capable of causing extensive damage to a building’s structure, uprooting trees, and damaging vehicles and other items exposed to the weather.
- Category Three – wind speeds of 111-129 miles per hour capable of causing devastating damage to buildings, trees, roads, and power lines.
- Category Four – wind speeds of 130-156 miles per hour, capable of causing catastrophic damage to buildings, bridges, roadways, trees, and power, with great potential for long-term power and utility loss in affected areas.
- Category Five – wind speeds upwards of 157 miles per hour, capable of causing catastrophic damage to the affected area, with potential for total building collapse, severe damage to property, and devastation to entire communities, leaving them uninhabitable for months or years.
Hurricane Michael shows the extent of a Cat 5 loss
Hurricane Michael in 2018 was recategorized as a Category Five hurricane – the first to hit the Lower 48 since Hurricane Andrew in 1992. It’s been almost a year, and the full extent of the damage is still being assessed. Though the winds were confined to a relatively small area, the damage spread out the way a tornado does, wiping out buildings, power grids, and trees all along the panhandle. The storm surge destroyed what the winds didn’t, and property owners are now facing the reality of trying to recoup their losses.
Claims are still being filed on behalf of Michael victims. Contact us today for help.