Home » Blog » Roof Insurance Claims » Palm Beach, Florida: Has your Hurricane Irma Roof Insurance Claim been Denied?
Palm Beach Roof Insurance Claim Denied

Palm Beach, Florida: Has your Hurricane Irma Roof Insurance Claim been Denied?

Disputing a Roof Damage Insurance Claim Denial or Settlement Offer

Now Handling Hurricane Irma Roof Insurance Claims

Attention Palm Beach home and business owners: have you suffered roof damage from Hurricane Irma? Has your insurance company lowballed or denied your claim? If so, our Hurricane Insurance Public Adjuster, may be able to help.

If you filed a homeowner’s insurance claim and feel your insurer should pay more than they estimated, or wrongfully denied your claim, you aren’t helpless. Advocate Claims Public Adjusters can help you dispute a claim offer or claim denial, and help make sure your settlement is fair.

Discrepancies over the cost of damages or a loss are common between insurance companies and policyholders. Policyholders pay premiums and expect all of their claims to be paid in-full. It is in insurance companies’ best financial interests to pay as little as possible in claims, which directly affect their profit and ultimately affect the cost of premiums. But that doesn’t mean companies automatically try to low ball their policyholders. Both parties often just need to share more information with one another to come to an agreement, or at least an understanding behind a settlement.

If your roof has been damaged in any way and you have homeowner’s insurance, there are a number of factors that will determine what is covered and how much the insurance company will actually pay.

Three Year Limit to Make or Reopen a Hurricane Irma Claim

Florida law provides that you must put your insurance company on notice of your hurricane claim within 3 years from when the hurricane first made landfall. This also includes a supplemental claim and reopened claim.

Specifically, Florida Statute 627.70132 provides:

“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.”

Sometimes issues may not manifest or arise until after your initial claim is made to your hurricane insurance policy, like mold damage. Water intrusion or mold may not be immediately visible, and supplemental claims may be made within 3 years of the hurricane’s landfall.

If you have recently been denied for your Hurricane Irma Roof Insurance Claim, Advocate Claims can help! Our Florida certified public adjuster, Steve Venook has been reopening denied roof insurance claims for over 15 years! Advocate Claims will review your insurance policy and coverage in order to provide you a broad scope of your insurance company’s responsibilities. We may also be able to:

  • Document the property and structural damage from the hurricane/wind
  • Reopen denied roof insurance claims and ensure proper reimbursement
  • Negotiate and settle your roof claim for necessary repairs and/or replacement
  • Provide estimates for cost for repair and/or replacement.

Our experienced public adjusters can minimize your stress by assisting you with the insurance claim process. Insurance companies have a team of professional insurance adjusters representing them in the claims process; you deserve the same.

Call 561-926-9802 today to speak with an roof insurance claim expert about reopening your denied roof insurance claim. You are entitled to proper reimbursement for your damage. Advocate Claims can help!