Clear Strategies for Choosing a Hurricane Damage Attorney in Boca Raton, Florida

Hurricanes don’t just damage roofs—they can disrupt your life, your finances, and your peace of mind. In Boca Raton, Florida, powerful storms like Ian, Irma, and Dorian have shown how vulnerable even the most prepared homeowners can be.

If you’ve suffered damage and your insurance company is delaying, underpaying, or denying your claim, it may be time to talk to a hurricane damage attorney. This article shares clear, practical strategies for finding the right legal help—and protecting your home in the process.

Why Hiring a Hurricane Damage Attorney May Be Necessary

Homeowners often assume their insurance will do the right thing. But after a storm, insurers are flooded with claims and may prioritize their bottom line over your recovery.

Here are common signs it’s time to involve an attorney:

• Your claim was denied without a clear explanation

• You were offered a settlement that doesn’t cover the true cost of repairs

• The insurance adjuster blamed damage on unrelated causes

• Your calls or emails to the insurance company go unanswered

• You're pressured to accept a fast payout before a full inspection

According to Florida Statute § 627.70131, your insurer must acknowledge your claim within 14 days and respond with a decision in 90 days. If they miss these deadlines or act in bad faith, legal action may be required.

What to Look for in a Boca Raton Hurricane Damage Attorney

Boca Raton’s tropical location and high-value properties make it a prime target for hurricane losses—and a common battleground for disputed claims. When choosing an attorney, look for someone who:

• Specializes in Florida hurricane and property damage claims

• Understands Palm Beach County’s local ordinances and building codes

• Has a proven track record of negotiating fair insurance settlements

• Operates on a contingency-fee basis—so you don’t pay unless they win

• Communicates clearly and explains your rights in simple terms

A strong legal advocate can help you navigate complex policies and push back when insurers act unfairly.

Immediate Steps to Take After the Storm

Even before you speak with a lawyer, your post-storm actions can set the tone for your case. Here’s how to get started the right way:

1. Document All Damage

Use your phone to take pictures and video of the exterior and interior of your home. Focus on roof damage, broken windows, soaked drywall, flooring, and personal property.

2. Prevent Further Loss

Temporary repairs (like tarping a roof or boarding windows) are allowed and often expected. Save all receipts—your insurance may reimburse you.

3. Get a Copy of Your Insurance Policy

Florida law under § 627.4137 gives you the right to request a certified policy. This helps clarify coverage limits and exclusions.

4. Keep Records of Everything

Maintain a written log of all contact with your insurer, including names, dates, and summaries of conversations. Save emails, voicemails, and letters.

5. Avoid Premature Repairs

Unless your insurer or attorney says otherwise, avoid making permanent repairs too early. Inspections need to happen first.

Need a checklist to make sure you’re on the right track? 👉 What to Do Immediately After Hurricane Damage

How Louis Law Group Can Help

If your hurricane damage claim is being mishandled or ignored, Louis Law Group is ready to help homeowners in Boca Raton get the compensation they deserve. Their legal team offers:

• No-win, no-fee representation—you only pay if they recover money for you

• In-depth policy reviews to identify your coverage and missing benefits

• Negotiations with adjusters and insurers to demand full payment

• Supplemental and denied claim appeals

• Legal action when your insurer refuses to act in good faith

Looking for help understanding your insurance policy?

👉 Understanding Florida Property Insurance Policies

Special Considerations for Boca Raton Homeowners

Boca Raton’s proximity to the coast and high-value homes create unique challenges. Here’s how to strengthen your case:

• Don’t settle quickly. Initial offers often don’t reflect the full scope of structural and internal damage.

• Request an independent inspection. A second opinion can reveal hidden issues like mold or foundational damage.

• Track out-of-pocket costs. Hotel stays, food, and repair supplies may be reimbursable.

• Understand flood vs. wind damage. Most standard policies don’t cover flooding—only wind, unless you have separate flood insurance.

• Act fast. You have 3 years to file a hurricane-related claim, and 5 years to take legal action (Fla. Stat. § 95.11).

Frequently Asked Questions

Q: Can I still get help if I already received a payout?

Yes. If you accepted a low offer or discovered more damage later, a lawyer can help file a supplemental claim.

Q: Does flood damage count as hurricane damage?

Not under most homeowners policies. You’ll need flood insurance to cover water damage from storm surge or rising water.

Q: What if my claim has already been closed?

An attorney may be able to reopen your case, especially if your claim was denied unfairly or you didn’t receive a proper inspection.

Conclusion

Recovering after a hurricane in Boca Raton isn’t just about fixing your home—it’s about standing up for your rights when your insurer falls short. With the right attorney by your side, you can challenge unfair treatment and move forward with confidence. After a storm, who’s standing with you when your insurance won’t?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.