In Florida, tornadoes can occur throughout the year, but summer brings more than its fair share, since tornadoes occur as a result of tropical cyclones and strong sea breeze boundary collisions. In fact, because of its location between the Atlantic and the Gulf of Mexico, Florida is susceptible to tornadoes whenever a hurricane starts swirling in the Gulf.
This summer alone, Central Florida has already been hit with three tornadoes with winds up to 85 miles per hour. These tornado winds have damaged homes and businesses, uprooted trees, and knocked down power lines.
In the wake of this tornado damage, home and business owners are left to get the wreckage cleaned up and file claims with their insurance companies to try to get enough money to cover clean-up and repair expenses. Unfortunately, many Florida home and business owners discover that filing a claim and getting paid can be a lengthy, time-consuming process with less than satisfactory results.
In this blog post, I’m going to discuss what you can do to help make the claims process go as smoothly as possible and what to do if it doesn’t go smoothly.
When your home or business has been damaged by tornado winds, you should contact your insurance company as soon as possible to file a claim. You probably want to clean up the mess and start making repairs right away, but this is probably not in your best interest. An insurance company representative needs to see all of the damage so they can determine how much they will pay you to make repairs and replace damaged items.
It’s a good idea to take pictures of all of the damage before you move or try to salvage anything. Writing descriptive notes to accompany the photos is also recommended, and so is finding photos you have of your home and belongings before the damage occurred and receipts for the damaged items.
After you notify your insurance company that your property has been damaged, they will send a representative to your home or business to assess the damage. Getting a second opinion from a licensed contractor or public adjuster you trust at the beginning of the claims process is recommended so that you’ll have an estimate of repair costs to compare with your insurance company’s evaluation.
If you are satisfied with your insurance company’s assessment of the damage and comfortable negotiating with them, then you most likely do not need an insurance claim attorney’s help. However, if you disagree with or don’t understand your insurance company’s decision on your tornado damage claim, an experienced insurance claim attorney can definitely help.
At Malik Law, we’ve helped hundreds of Florida clients obtain fair payment for damages through negotiations or litigation in cases, including:
If your home, business or personal property has been damaged by a tornado or other storm, the experienced insurance claim attorneys of Malik Law can help with your claim. We know the loopholes and tactics insurance companies use to deny, delay, or underpay legitimate claims and will work diligently to help you obtain the payment that is rightfully yours.
For expert advice and personalized service, call us, chat online with us, or submit the Free Case Evaluation form on our website.
Florida Division of Emergency Management. (n.d.). Tornadoes,
Pedersen, J.M. (2020, June 8). Central Florida weekend tornado tally: 3 for sure, 2 more possible. Orlando Sentinel. i
Spectrum News 13.l (2020, June 8). Cleanup continues for tornado-damaged Central Florida neighborhoods.
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