Anyone who owns property in Central Florida knows that between June and October, the threat of hurricane damage is very real. Each year, thousands of homes and businesses are damaged by strong winds, heavy rains, and storm surge.

When this damage occurs, home and business owners turn to their insurance companies to pay for repairs or replacements for damaged items and structures. Thinking they have paid insurance premiums to make sure they are covered for this type of storm damage, many property owners are distraught when they discover that the process of filing a claim, collecting what they think is owed to them, and getting repairs made satisfactorily is frustrating and disappointing.

At Malik Law, we have witnessed the destructive power of hurricanes and the aftermath of homeowners being left without a safe and sanitary home. We have also witnessed the unfortunate aftermath of insurance companies denying, delaying, or underpaying legitimate claims filed by Floridians whose property has been damaged.

If this happens to you – if your hurricane damage insurance claim is denied, delayed or underpaid, an experienced Florida insurance claim attorney from Malik Law can help you obtain the insurance payment that is rightfully yours. We understand insurance law, as well as the tactics insurance companies use to try to avoid paying claims and want to help you get the settlement you need to recover from your hurricane property damage.

Damage from Powerful Florida Hurricanes

Hurricanes, or tropical cyclones with sustained winds of 74 mph or greater, typically form in the Atlantic a few times per year. Recently, however, there have been more tropical storms and more powerful storms than usual. In 2019, for example, there were 18 named storms, six hurricanes and three major hurricanes (Category 3 or higher with maximum sustained winds of at least 111 mph).

Two relatively recent hurricanes, Irma and Michael, reached Category 5 strength. Irma damaged or destroyed over 65,000 structures in Central and Southwest Florida, causing 84 fatalities and approximately $17 billion in damage. Michael caused 59 deaths in the U.S. and total estimated insured losses of almost $8 billion.

Extensive damage to homes and personal property from hurricanes includes:

  • Roof damage
  • Water damage
  • Broken glass damage
  • Structural damage
  • Cosmetic damage
  • Downed trees
  • Landscape damage


Florida Hurricane Insurance Claims

As a property owner, you count on your homeowner’s insurance to cover losses when a hurricane causes damage to your home or business. In reality, however, a number of things can go wrong in the insurance claims process, including:

  • Denial of coverage – most homeowners do not read through their entire insurance policy. This can lead to a denial of claim if the insurance company claims the damage is the result of an uncovered loss. Hurricane coverage, for example, is often treated differently than other losses in a homeowner’s insurance policy.
  • Delayed approval or payment – when processing appears to drag on for weeks without any explanation for the delay it could indicate a bigger problem. It may be time to consult with a hurricane damage insurance claim attorney if your hurricane damage claim has not been approved and/or payment for an approved claim has not been issued in a timely manner.
  • Undervaluing a claim – as an insured, you undoubtedly expect to be fully compensated for the loss you have suffered. If the insurance company undervalues the loss, leaving you without the resources to adequately repair the damage, it may be time to consult with an attorney.


Get Help from Experienced Orlando Hurricane Damage Attorneys

The Orlando hurricane damage insurance claim attorneys of Malik Law have extensive experience helping home and business owners with the insurance claims process. We know the tactics insurance companies often employ to avoid paying a claim and can help you get the payment you deserve. If you have suffered losses as a result of a hurricane, we will aggressively advocate on your behalf to ensure that you are fully compensated for your losses.

Call us at 407-500-1000 or submit our online form today for a free consultation. One of our experienced Orlando hurricane damage attorneys will explain your rights and discuss how we can help you.



Florida Office of Insurance Regulation. Hurricane Michael claims data. (2019, Dec.).

Florida Office of Insurance Regulation. Hurricane Irma claims data. (2020, Jan.).

National Hurricane Center and Central Pacific Hurricane Center. Oceanic and Atmospheric Administration. (n.d.) Storm surge overview.

National Hurricane Center and Central Pacific Hurricane Center. Oceanic and Atmospheric Administration. (n.d.) Saffir-Simpson hurricane wind scale.