Hurricane Damage Lawyer in Margate, Florida Protect Your Rights After the Storm

Margate, Florida may not sit directly on the coast, but its inland location doesn’t spare it from hurricane destruction. Torrential rain, extreme winds, and flooding often follow storms inland, putting homes and businesses at risk—even miles away from the beach. If your property suffered damage in a recent hurricane and your insurance company isn’t offering a fair settlement, a hurricane damage lawyer in Margate can help you fight back.

Hurricane Risks in Margate, Florida

Broward County, where Margate is located, has faced repeated threats from major hurricanes. While the city isn’t oceanfront, it’s still highly susceptible to storm surge overflow, wind damage, and flash flooding. According to the Insurance Information Institute (III), Florida consistently ranks as the state with the highest number of catastrophic weather events in the U.S., many of which are hurricanes.

In 2022 alone, Hurricane Ian caused more than $112 billion in damages across the state, making it the costliest storm in Florida’s history. Even residents in inland cities like Margate were affected by power outages, roof damage, and insurance delays.

Common Types of Hurricane Damage in Margate Homes

Even smaller hurricanes or tropical storms can wreak havoc on properties in Margate. Some of the most commonly reported types of damage include:

• Roof shingle loss or collapse

• Water intrusion from broken windows or wind-driven rain

• Mold and mildew growth from flooding

• Structural issues like cracks and foundation shifts

• Electrical system failure or fire hazards

• Damage to outdoor structures such as fences and sheds

Homeowners insurance is supposed to help you recover from this kind of devastation—but too often, claims are delayed, denied, or underpaid.

Why Hurricane Insurance Claims Are Denied

Insurance companies may use several reasons to deny or minimize hurricane damage claims, including:

Pre-existing damage: Insurers may argue the damage was present before the storm.

Incomplete documentation: Claims without enough photos or repair estimates are often denied.

Late filing: Florida law sets strict deadlines for submitting hurricane-related claims.

Policy exclusions: Many policies don’t cover flood damage unless you have additional flood insurance.

Lowball estimates: Adjusters may undervalue the cost of repairs to save money.

According to FEMA, after major hurricanes, insurance disputes are one of the top issues faced by homeowners, especially those unfamiliar with policy language or legal options.

The Role of a Hurricane Damage Lawyer

A hurricane damage lawyer acts as your advocate when your insurer fails to deliver a fair settlement. Instead of accepting a denied or underpaid claim, you can hire a lawyer who will:

• Review your policy coverage and exclusions

• Help gather detailed documentation of storm damage

• File appeals or negotiate for a higher payout

• File a lawsuit, if necessary, for breach of contract or bad faith

Legal representation ensures you’re not taken advantage of during a vulnerable time.

How Louis Law Group Can Help

When you're dealing with a damaged home and an unresponsive insurer, having a local advocate can make a difference. Louis Law Group has years of experience helping hurricane victims in Margate and across Florida.

Here’s how they can support you:

Interpret your policy to uncover full coverage options

Assist with documentation and claim submission

Negotiate directly with your insurer for a proper settlement

Dispute low offers or denials using expert reports

Represent you in court if litigation becomes necessary

Explore their hurricane claim resources here to better understand your rights.

FAQ: Hurricane Damage Claims in Margate

Q: How long do I have to file a hurricane claim in Florida?

In Florida, you generally have up to one year to file a claim after the date of loss. However, it’s best to file as soon as possible to avoid disputes.

Q: What if I already accepted a partial payment from my insurer?

You may still be entitled to additional compensation. A lawyer can review your case and help reopen the claim if underpaid.

Q: Does homeowners insurance cover flooding from a hurricane?

Not always. Flooding is usually covered under a separate flood insurance policy provided through the National Flood Insurance Program (NFIP).

Q: Can I dispute a denied hurricane damage claim?

Yes. You can file an appeal and work with a hurricane damage lawyer to challenge the denial with evidence and legal support.

Conclusion

When a hurricane damages your home, the aftermath can be just as stressful as the storm itself—especially if your insurance company refuses to pay what you’re owed. With expert legal guidance and strong documentation, you can fight back against denied or underpaid claims.

Are you ready to take the next step toward securing the compensation you deserve?

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.