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Hurricane Season Is Here: Make Sure You Review Your Policies!

When Hurricane Michael hit the Florida Panhandle last October, it was a Category 5 storm – one of only four such storms to hit the US mainland. Thousands of homeowners were displaced by the storm and many are sadly finding that they were underinsured. Future hurricanes could be just as devastating, which is why you need to make sure that your policies provide the coverage you need to rebuild and recover.

In fact, there are many property owners who were affected by both Hurricane Michael and Hurricane Irma who have not had their claims resolved. Although it has been nearly a year (two years in Irma’s case), it is not too late to contact us about your claim. However, time is of the essence. Another direct hit from a storm this year could jeopardize your original claim!

If you spoke to your insurance agent to make sure you’re prepared for Hurricane Season, he or she probably assured you that you’re good to go, but are you really? Although they are supposed to protect the public, policies are complicated legal contracts that can leave you blindsided when you file a claim.  

Also, sometimes conversations with agents may be misleading – you may ask if you’re covered for water damage and be told “Yes” only to discover that if the damage is due to storm flooding, you’re out of luck unless you took out separate flood insurance through the National Flood Insurance Program. We had a client who was assured by her agent that she was fully protected before Hurricane Irma. She learned the hard way that her policy had a windstorm exclusion and had to pay out of pocket for a new roof after the storm damaged her investment property.

Protect Yourself with Advice You Can Trust

Don’t be misled into a detrimental situation. If you are unsure of whether or not you have a valid home or business claim that is likely to be covered, feel free to reach out to us for a free case evaluation.

We make a point of remaining current on insurance litigation to understand how the court interprets policies in favor of policyholders. We also have significant market knowledge from several policy reviews and share that information to benefit their clients.

Get the Coverage You Need and Pay for

Remember: insurance companies realize a profit when they receive more money in premiums than they pay out in claims. If you file a claim for damage to your Florida home or business, they will probably work fast to minimize the amount payable. An attorney will protect your rights if the insurer tries to cause delays or underpay you by:

  • Questioning whether the damage is covered.
  • Producing an inspection suggesting that you could have contributed to the losses.
  • Trying to resolve your claim for less than its full value.

If you have suffered personal or business losses due to a hurricane, you need to find out what compensation you may be entitled to. At Portuondo Law Firm, we know that a delayed or denied claim can prevent you from repairing your home or commercial property, so we will help you fight obstructions and get the damages you need to move forward. For more information or to meet with Attorney Marisa Portuondo, please contact us to discuss your situation today.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters, and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send us any documents to review or confidential information until such time as an attorney-client relationship has been established.

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Marisa Portuondo

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