Hurricane Damage Claim Lawyers in Florida

Covered Perils vs. Exclusions

Your policy likely covers wind and rain that enter through storm-created openings. Flood, however, is usually excluded without separate coverage. A lawyer reads the fine print, ties each repair line-item to a covered peril, and rebuts exclusion arguments.

Deadlines You Can’t Miss

1. Notice of Loss – Often 30–60 days after landfall
2. Proof of Loss – Detailed, sworn statement with estimates and photos
3. Statute of Limitations – Varies by state (commonly 1–2 years for breach of contract)

Miss a deadline and the carrier may deny the entire claim. An attorney calendars every cutoff and files on time—so you don’t lose rights on a technicality.

1. Detailed Damage Documentation
   • Drone imagery for roof conditions
   • Infrared scans for hidden moisture
   • Forensic accounting for lost rental income
2. Expert Network
   • Structural engineers
   • Licensed appraisers
   • Meteorologists who reconstruct wind speeds and rain intrusion paths
     
     
3. Negotiation & Litigation Skills
   • Your lawyer prepares every file as if trial is inevitable—then uses that leverage to push for settlement, saving you months of delay.

1. Stay Safe – Wait until authorities declare re-entry safe.
2. Document Everything – Video walkthroughs, timestamped photos, receipts for temporary repairs.
3. Mitigate Further Loss – Board windows, tarp roofs; insurers can deny subsequent damage you could have prevented.
4. Call Your Insurer—Then Call Your Attorney – Start the claim to meet policy notice requirements, but let your lawyer handle in-depth statements.
5. Track Expenses – Lodging, meals, generator fuel; many are reimbursable under Additional Living Expenses (ALE).

• Dwelling repairs or full replacement
• Other structures (sheds, fences, detached garages)
• Personal property (furniture, electronics, clothing)
• Additional Living Expenses while your home is uninhabitable
• Business Interruption for commercial properties
• Bad-faith damages if the insurer acts unreasonably or dishonestly

Your attorney quantifies each category, ensuring nothing is left off the table.

Qualifications to Look For

• Storm-specific experience with wind and flood disputes
• Contingency-fee representation—you pay nothing unless the lawyer wins or settles your claim
• Local knowledge of building codes, permitting, and court tendencies
• Responsive communication—you get updates without chasing

Questions to Ask in Your Free Consultation

1. How many hurricane claims have you handled in the past three years?
2. What were your average settlement improvements over the insurer’s initial offer?
3. Who will be my day-to-day point of contact?
4. Can you provide client testimonials or case results?

1. “I had extensive damage to my home from Hurricane Irma. My insurance company only stated $8k worth of damage but because my deductible was so high they sent me a check for $3k! I couldn’t even get the insurance company to return my phone call for 3 months! I didn’t know what to do so I hired an insurance adjuster to fight the claim. After over a 16mths of fighting it had finally gotten to the point to bring in a lawyer. They recommended Grant Krapf and I’m so glad they did! I couldn’t believe how quickly he got a response from the insurance company. In total, I had been waiting for nearly 2 years and when Grant and his team came on board it was a matter of months before they were able to get the insurance company to settle. I was shocked and amazed! I have never hired an attorney before and I had always heard unflattering stories but this was not my experience. Even after the settlement they have been kind enough to still help me with questions or advice relating to the house. They are good people and they do good work! It’s incredible when you feel like you are going up against a giant and want to give up and can find extraordinary people that will fight for you and never give up!” -Emily Hakimipour
2. “Grant & his staff are extremely professional. They really care about their clients,and help in every aspect of your situation. I highly recommend this practice.” -Diane Schrutt

Contact Our Florida Hurricane Damage Lawyers Today

If you’ve been affected by a hurricane in Clearwater, Tampa Bay Florida, contact our expert hurricane damage attorneys for a free consultation. Email us or book your appointment now, and let us help you get the compensation you deserve.

Get Started with Our Florida Hurricane Damage Lawyers – Call for a Free Consultation

Take the first step towards justice by calling 727-777-7450 for a free consultation. Our Florida hurricane damage attorneys will review your information and get in touch to discuss your case further.

We offer a free consultation to discuss your case and how we can help. We care about you and want to support you through this difficult time.

Frequently Asked Questions about Our Florida Hurricane Damage Lawyers