Helping You Navigate Hurricane-Related Losses
At CCMI, we provide expert support and guidance for homeowners and businesses dealing with hurricane damage claims in Florida. Our team of knowledgeable experts are here to assist you in navigating the complexities of the claims process. Our job is to be your advocate to maximize your insurance payout.
“Dealing with the aftermath of Hurricane Ian has been a challenge. Century is continuing to walk us through the long process. Roberto has been great at keeping me informed and readily available for questions. The journey continues but I am glad to have Century representing me in my Ian claim.”
— Aura Brooks
Understanding Hurricane Damage Claims
For Business & Residential Claims
Types of Hurricane Damage
Hurricanes can cause a wide range of damage to properties, regardless of whether you’re a homeowner or a business owner. These damages may include structural issues, roof and water damage, flooding, loss of personal or business property, and more. Understanding the specific types of damage you may encounter is the first step in evaluating your insurance coverage and filing a comprehensive claim.
Common Insurance Policies in Florida
Both homeowners and businesses in Florida rely on insurance coverage to protect their properties and assets. We will carefully review your insurance policy, whether it is your homeowners’ insurance, commercial property insurance, business interruption insurance, and flood insurance. Our professionals will help you assess your losses as it relates to your coverage.
Coverage and Exclusions
Insurance policies come with distinct coverage limits and exclusions, which can vary between homeowners and business policies. We will explore the specific coverage elements that may apply to your situation and the potential exclusions to be aware of. Understanding these details is crucial to determining the extent of your claim and ensuring that you are adequately protected.
The Claims Process Explained
Whether you’re a homeowner or a business owner, navigating the claims process is a critical step following hurricane-related damage. We will provide an overview of the typical steps involved in filing a hurricane damage claim. This includes the initial assessment of damage, thorough documentation, submitting your claim, and letting you know what to expect during the claims negotiation process with your insurance company.
Commonly Covered Hurricane Damage Items For Homeowners and Businesses:
- Structural damage to the building, including the roof, walls, and foundation.
- Damage to personal or business property, such as furniture, electronics, inventory, and equipment.
- Water damage caused by hurricane-related flooding, including damage to flooring, walls, and possessions.
- Wind damage, including broken windows, torn-off shingles, and damage caused by flying debris.
- Business interruption losses due to property damage, leading to temporary closure or reduced operations.
- Additional living expenses for homeowners, covering temporary accommodation and increased living costs during repairs.
- Debris removal costs to clear and dispose of debris from the property.
- Loss of use coverage, reimbursing homeowners or businesses for additional living or operational expenses incurred while the property is uninhabitable or under repair.
- Expenses for emergency repairs to prevent further damage, such as tarping a damaged roof or boarding up windows.
By reviewing your specific insurance policy, we can identify the exact coverage provided and any limitations or exclusions that may apply to these types of damages. Coverage can vary significantly depending on the policy and the insurance company.
