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Hurricane/Storm Damage FAQ

Common questions from roofing contractors and homeowners about working with Karkatselos Law, PLLCS on storm damage insurance claims

Hurricane/Storm Damage FAQ – Karkatselos Law, PLLC
Frequently Asked Questions

What You Need To Know

Hurricane Damage Tips

Make sure to have current photos of your home so that you are able to show before and after pictures when making a claim. Document all damage thoroughly with photos and videos from multiple angles, and keep records of any temporary repairs you make to prevent further damage.

Factors Affecting Hurricane Insurance Payout

Not having proper representation and understanding what should be paid for in a claim is crucial as insurance companies will often settle claims for far less than what should actually be paid out. Other factors include policy limits, deductibles, documentation quality, and the timeliness of your claim filing.

Filing a Hurricane Claim

Delaying in filing a hurricane claim will cause an insurance company to scrutinize your claim and the reasons for the delayed reporting. Your claim should be filed when you first become aware of any hurricane damage. Prompt filing demonstrates the legitimacy of your claim and helps preserve evidence.

Types of Hurricane Damage

The most common type of storm damage after a hurricane is roof damage. Be sure to inspect the areas surrounding your property for any damaged shingles/tiles. Also, conduct a visual inspection of your roof to see if there are any displaced or missing shingles or tiles. Additional damage may include water intrusion, structural damage, and damage to windows and siding.

Steps to Filing an Insurance Claim After a Hurricane in Florida

First, assess whether your home has experienced hurricane damage. Then, consult with a knowledgeable attorney who will review your policy, including any limitations you may not be aware of. Have your attorney assist in making the claim on your behalf. This is crucial because homeowners commonly make statements to the insurance company that will negatively impact the outcome of the claim.
Insurance companies will commonly deny claims by stating the cause of the water intrusion from your roof is the result of wear and tear. They will also avoid paying claims by stating that the amount of damage to your property does not exceed your deductible, leaving the homeowner with no payment.

Reasons for Denied Hurricane Insurance Claims in Florida

Insurance companies are businesses just like any other company. A business exists to be profitable. As such, it should come as no surprise that insurance companies are going to strategically deny claims that should be covered so that they can continue to be profitable. Having proper legal representation helps ensure your legitimate claim is not wrongfully denied.

Wind Damage Coverage

No, most carriers will include wind damage coverage in your general homeowners insurance. However, be cautious when reading the terms of your policy to understand what is excluded. Some policies in hurricane-prone areas may have separate wind or hurricane deductibles that are higher than standard deductibles.
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Whether your claim has been denied, delayed, or underpaid, our attorneys are here to help. Every case starts with a free, no-obligation policy review.

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Serving Florida Homeowners

Florida Property Damage Attorneys Near You

Karkatselos Law, PLLC is a Tampa-based property damage law firm serving homeowners and commercial property owners throughout Florida. If your insurance company has denied, delayed, or underpaid your claim, our attorneys are ready to fight for the full compensation you deserve — at no upfront cost to you.

Office Address

Karkatselos Law, PLLC
Tampa, FL 33647

Availability

Free Consultations — No Win, No Fee

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Areas We Serve Across Florida

Our attorneys represent property damage clients throughout the entire state of Florida, with a focus on the Tampa Bay area and surrounding counties.

Tampa
Hillsborough Co.
St. Petersburg
Pinellas Co.
Clearwater
Pinellas Co.
Brandon
Hillsborough Co.
Orlando
Orange Co.
Sarasota
Sarasota Co.
Fort Myers
Lee Co.
Naples
Collier Co.
Jacksonville
Duval Co.
Miami
Miami-Dade Co.
Fort Lauderdale
Broward Co.
West Palm Beach
Palm Beach Co.

Tampa Property Damage Lawyers — Karkatselos Law, PLLC represents homeowners and commercial property owners throughout the Tampa Bay area whose insurance claims have been wrongfully denied, delayed, or underpaid. Our attorneys have recovered millions of dollars for Florida policyholders dealing with hurricane damage, roof damage, water damage, fire damage, flood damage, hail damage, and mold claims.

As a Florida property damage law firm based in Tampa, we understand the tactics insurance companies use to minimize payouts. Our lead attorney, Tim Karkatselos, previously represented insurance companies — and now uses that inside knowledge to fight for property owners across Hillsborough, Pinellas, Pasco, Polk, Manatee, Sarasota, and Lee counties.

We operate on a contingency fee basis — meaning you pay nothing unless we recover compensation for you. If your claim has been denied or underpaid anywhere in Florida, contact our office today for a free, no-obligation policy review.

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