Best Disability Attorneys in Tampa, FL

Merlin Law Group attorneys work on a contingency fee basis, so there is no cost to you unless we win your case. In many cases, Merlin Law Group will hire industry experts, among other resources, to build the ultimate case for you, the policyholder. In these cases, costs can accumulate greatly and quickly. Merlin Law Group attorneys know that these in-depth, unbiased expert analyses can make or break your insurance claim. Merlin Law Group is dedicated to obtaining the maximum settlement for our clients and will advance most costs pre-settlement.

This depends on whether your insurance policy covers the full scope of potential hurricane damage. For example, many policies exclude flood damage, which is ironic given that flooding can often lead to the most significant type of damage suffered by a home during a hurricane. Most standard homeowners policies separate water damage from flooding, so you will need to secure flood coverage through either the National Flood Insurance Program, FEMA, or another authorized private carrier.

If wind damage is covered under your policy a deductible will typically apply. A deductible is the amount you pay out of pocket toward damage or a loss prior to the insurance company paying for a claim. You can find your deductibles outlined in your homeowners insurance policy declaration page. There may be an option to adjust the amount of your deductibles to better fit your needs. Coverage limits apply to each type of coverage in your policy. If your policy covers wind damage, for example, it will only pay up to the limit you selected when you purchased the policy. As with your deductibles, coverage limits can be adjusted to align with your current needs.

Your roof is most vulnerable to hail damage. If you live in an area where hail damage is more frequent, keep in mind that insurance will likely cost more due to the increased risk and prevalence of damage from hail.

The best way of avoiding higher costs with damage from hail is to stormproof your roof with impact-resistant shingles. Some insurance companies offer discounts for policyholders that install impact-resistant shingles. Another way to mitigate cost from hail damage is to verify whether your insurance company has any endorsements or additional roof coverage options. For example, a Better Roof Replacement endorsement would pay to replace your damaged roof with stronger materials if it is damaged by a covered peril like hail.