Hurricane Damage Lawyer in Pembroke Pines, Florida Get Help Navigating Your Insurance Claim

Pembroke Pines is no stranger to hurricanes. In fact, Hurricane Irma alone caused nearly $50 billion in damages across Florida in 2017, with winds exceeding 100 mph battering South Florida cities, including Pembroke Pines (NOAA). Homeowners in this region often face significant property losses, only to experience delayed or denied claims from their insurance providers.

That’s where a hurricane damage lawyer in Pembroke Pines becomes essential. Legal support can make the difference between a lowball offer and a fair settlement that covers wind, water, and structural damages. This article will walk you through your rights as a policyholder and how an attorney can help you get the compensation you deserve.

Common Types of Hurricane Damage in Pembroke Pines

Hurricanes impact properties in several ways, often leaving behind:

• Roof and siding damage from hurricane-force winds (over 74 mph per NOAA)

• Broken windows or doors, allowing rain and debris inside

• Water intrusion leading to black mold growth within 24–48 hours (CDC)

• Downed trees and power lines that damage roofs, vehicles, or fencing

• Flooding that may or may not be covered by standard insurance policies

Because South Florida is a designated hurricane-prone area, insurance companies have hurricane deductibles — typically 2% to 5% of your home’s insured value (Florida Department of Financial Services). That means even if your roof collapses, you could be responsible for paying thousands out of pocket before coverage kicks in.

The Role of a Hurricane Damage Lawyer

After a hurricane, filing a claim with your insurance company should be straightforward—but it often isn’t. Many homeowners experience:

Claim denials for alleged “pre-existing” damage

Underpayments that don’t cover full repair costs

Delays in processing or responses

Requests for excessive documentation

According to a 2023 study by the Insurance Information Institute, 1 in 7 homeowners reported significant delays or unfair treatment in hurricane-related claims

A hurricane damage lawyer helps by:

• Reviewing your insurance policy and deductibles

• Documenting and assessing the full scope of damage

• Handling all communication with the insurance company

• Negotiating a fair settlement—or taking legal action if necessary

Legal professionals level the playing field, especially when insurance companies act in bad faith (refusing to pay or delaying on purpose).

How Louis Law Group Can Help

Louis Law Group handles hurricane and property damage claims throughout Florida, including Pembroke Pines. Here’s how they support clients:

• Detailed Documentation: Their team helps gather photographic evidence, contractor estimates, and expert reports.

• Insurance Review: They explain what’s covered, what’s excluded, and what you should expect to recover.

• Timely Filing: They ensure your claim is submitted within Florida’s 1-year limit under current law (Florida Statutes § 627.70132).

• Negotiation with Insurers: They push for fair settlements and challenge any underpayments or denials.

• Litigation, if Needed: If negotiation fails, they’re ready to take your case to court to secure the payout you're owed.

🔗 Learn more at Louis Law Group’s Pembroke Pines Page.

Understanding Florida’s Insurance Laws After a Hurricane

After major storms, thousands of Floridians face hurdles from their insurance companies. Here are some facts to know:

• Florida law now limits initial hurricane claims to 1 year after the date of loss, and supplemental claims to 18 months (Florida Office of Insurance Regulation).

• If your insurance company acts in bad faith, you may have the right to file a lawsuit under Florida Statute § 624.155.

• Flood damage is not covered under homeowners insurance unless you’ve purchased a separate policy through the National Flood Insurance Program.

Many Pembroke Pines residents were unaware that hurricane-related water damage wasn’t covered under their standard policy until it was too late. That’s why it’s critical to review your coverage before the storm—or seek legal guidance if you’re already in a dispute.

FAQs About Hurricane Damage Claims

Q: What’s the first step after hurricane damage?

Take photos, prevent further damage if safe, notify your insurer, and contact a hurricane damage attorney for guidance.

Q: What if my insurer denies my claim?

A lawyer can dispute the denial, present new evidence, and—if needed—file a bad faith lawsuit to fight for compensation.

Q: Is mold damage covered after a hurricane?

It depends on your policy. Mold from sudden water intrusion is often covered, but gradual leaks or poor upkeep are not.

Q: Will my rates increase if I hire a lawyer?

No. Legal fees usually come from your settlement, and your rates can increase regardless of whether you hire representation.

Q: How long does it take to settle a hurricane damage case?

Simple claims can resolve in weeks. More complex cases involving denials or litigation may take months.

Conclusion

Dealing with insurance companies after a hurricane shouldn’t be a second disaster. If your property in Pembroke Pines was damaged and you're struggling with your insurer, getting help from a hurricane damage lawyer can save time, money, and stress.

Are you ready to take control of your claim and get the payout 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.