Struggling Post-Storm? Our Naples Liability Lawyer Offers Tips For Dealing With Insurers

Hurricane Milton, a CAT3 storm that made landfall in Siesta Key, wreaked havoc along the Gulf Coast in October 2024. Already battered by historic Ian two years before, residents of Naples struggle to recover.

With widespread impacts throughout Collier County, residents assess the damage and gather evidence to file property insurance claims. Insurers are bracing for billions in payments, which puts a dent in profits. Our Naples premises liability lawyer explains tactics they employ when processing claims and offers tips for getting the most from your policy.

Naples Insurance Disputes Likely In The Aftermath Of Hurricane Milton

As Hurricane Milton barreled toward Siesta Key, storm surge and damaging winds were already wreaking havoc two hours south in Naples. An October 11, 2024, Naples Daily News report stated that work crews were still restoring power to some Collier County residents and clearing up sand and debris from local roads.

If you were injured or suffered hurricane-related property damage, you are not alone. According to Reuters, analysts expect Milton to result in up to $100 billion of insured losses. These include both property liability and personal injury claims suffered during the storm or as part of recovery efforts.

The Sunshine State holds no charms for insurers, as anyone who has ever purchased a policy can attest. Payouts for natural disasters are among the highest in any state, and some companies refuse to provide coverage. Among those that do, expect not only to pay high premiums but also to have insurance adjusters balk when it comes time to payout on a claim. Common tactics they use to deny or dispute payments include:

• Debating whether your insurance coverage was in full effect at the time;
• Claiming certain types of damages are not covered;
• Disputing the total amount of your losses;
• Downplaying repair and replacement costs.

How To Get The Maximum Amount In A Naples Insurance Liability Claim

The National Association of Insurance Commissioners reports that the insurance industry makes nearly $40 billion annually.  While property owner’s policies help pay the costs associated with hurricane damages and accidental injuries that result, one of the ways insurers protect profits is by denying or downplaying submitted claims.

Our Naples liability lawyer has extensive experience negotiating with claims representatives and helped many clients get the maximum amount they were entitled to after Hurricane Ian. To protect your rights in storm-related claims, we recommend the following tips:

• Thoroughly document all property damages or injuries, including photos and police reports;
• Get legal help in calculating the total amount you need to recover;
• Be brief in speaking with insurance representatives and avoid statements admitting any liability;
• Be wary of immediate settlements, which are likely less than what you will eventually need or deserve.

For Trusted Legal Help, Contact Our Experienced Naples Liability Lawyer

When personal injuries or property damages in Naples happen, Cardinal Law, P.A. stands up for our community and acts as a strong advocate in dealing with insurers. For caring support and trusted legal guidance, give us a call or contact our office and request a consultation today.

Source:

naplesnews.com/story/news/2024/10/10/collier-county-hurricane-milton-live-updates-landfall-impact/75589402007/

reuters.com/world/us/milton-threatens-upend-shaky-florida-homeowners-insurance-market-2024-10-09/

content.naic.org/sites/default/files/inline-files/Health%202023%20Mid-Year%20Industry%20Report.pdf