Each year, The National Hurricane Center creates a list of storm names to use for the hurricane season. This year, one of those potential storms is Hurricane Lisa. While we hope that Hurricane Lisa will not impact Florida, it is always better to be prepared, which is why we have created this guide on preparing for hurricane season and filing a claim if your property is damaged.
Preparing For a Hurricane
If Hurricane Lisa does impact Florida, there are a few things you can do to prepare:
Know Your Insurance Coverage
Make sure you know what your homeowner’s insurance policy covers and doesn’t cover. This way, you’ll know what to expect if you need to file a claim.
Create an Emergency Kit
Put together a kit with food, water, and other supplies that will last you and your family for at least three days. A generator is also a good idea, in case you lose power.
Have a Plan
Do you have an evacuation route in case you need to leave your home? Where will you go? Make sure you have a plan in place so you know what to do if Hurricane Lisa approaches.
Check Your Insurance Policy
Hurricane season is upon us, which means it’s time to check your insurance policy to make sure you’re covered in case of a storm. Here are a few things to look for:
- Deductibles: Most policies have a deductible for hurricane damage. This is the amount you’ll need to pay out of pocket before your insurance company starts to cover the damages.
- Coverage Limits: Your policy will have limits on how much it will pay out for hurricane damage. Make sure these limits are high enough to cover the costs of repairs or replacement.
- Exclusions: Some policies exclude certain types of damage, such as flood damage. If your policy excludes hurricane damage, you’ll need to purchase separate hurricane insurance.
If you have any questions about your coverage, call your insurance agent or company to ask. It’s better to be safe than sorry when it comes to hurricanes.
Filing a Claim for Hurricane Damage If Hurricane Lisa Causes Damage To Your Home Or Business
If your home or business is damaged by Hurricane Lisa, you may be able to file a claim with your insurance company. However, the claims process can be complex and confusing. An experienced hurricane damage lawyer can help you navigate the claims process and fight for the compensation you deserve.
After a destructive hurricane comes through, many people are shocked to discover that the policy they’ve been diligently paying for years might not actually cover what they expected, or worse, the adjuster is offering them far less than their damages are worth.
This is where an attorney comes in: A hurricane damage lawyer will know how to value your claim, communicate with the insurance company on your behalf, and, if necessary, take your case to court to get you the full compensation you deserve.
Contact 1-800-Injured Today To Connect With a Hurricane Attorney
Don’t wait until it’s too late — with hurricane season 2022 underway, now is the time to start preparing. And if you need help with your hurricane damage claim, contact a lawyer today.
1-800-Injured is an attorney and medical referral service that can connect you with a hurricane damage lawyer in your area.
Call 1-800-Injured today or submit your request directly from our website for a free, no-obligation consultation with a hurricane damage lawyer. They can help you understand your legal options and get you the compensation you deserve.