Thunderstorms, wind, hail, and hurricanes are all part of daily life in Florida. As a homeowner or company owner, you must prepare for the worst while hoping the storm will pass you. Homeowners insurance alleviates some of the stress of storm damage in Port St Lucie, Florida.

According to AON's annual report on global weather, climate, and catastrophes, natural disasters cause billions of U.S. dollars in insured losses yearly. Claims for weather-related damage are expected to rise as the weather patterns change.

Homeowners insurance covers certain forms of storm damage, but you can't always count on insurance reimbursement. Keep reading to learn what's covered, what isn't, and tips for filing a claim for storm damage in Port St Lucie.

Please note that this is a general guide, and it's best to read through your homeowners insurance policy to see what coverage you're paying for. An experienced insurance claims lawyer can help you review your policy and provide legal advice.

What is Home Insurance?

Homeowners insurance is a group of insurance policies that protect your investment in a home. A home insurance policy protects your possessions, home, and any additional buildings like fences from damage and theft.

Liability protection is another feature of homeowners insurance that covers harm to your family members, and other people's property or health. Your liability insurance will cover your legal fees and settlements if you get sued for an accident or property damage.

Additional living expenses (ALE) coverage is typical of most house insurance policies to help cover the costs of living in another residence when your home is inhabitable. Additional costs might include costs for things like hotel stays, meals out, and other kinds of services.

Homeowners insurance offers financial protection in cases of damage to your property. Home insurance coverage for storm-related losses might vary depending on the circumstances and the policy you purchased.

Premiums for homeowners policies typically cover a wide range of hazards, also known as causes of loss. However, some perils may be excluded from coverage to keep policies reasonable. Your case details and shared blame restrictions may influence your opportunity to seek compensation.

What is Storm Damage Insurance?

Storm damage refers to the destructive effects of severe weather. If your roof shingles get blown off by a windstorm or your siding is damaged by hail, this is considered external damage. Damage to your home's interior from storms, such as a power surge, is possible. After your deductible, storm insurance can assist cover the expense of repairing or replacing the damaged area.

Storm damage insurance is part of your home's policy, not a separate policy. Its purpose is to shield you from the high costs of repairing damage to your house because of a storm. 

A hurricane might cause damage to your property, and if you contact your insurance provider, they'll send an adjuster to assess the level of damage. It's up to the insurance company to assist you in paying the rest if you meet your deductible.

What Does Homeowners Insurance Cover?

One of the essential forms of insurance is home insurance. It safeguards some of your most valuable possessions, such as your home and personal items, against financial ruin. Decent home insurance coverage can help you get back on your feet in a disaster like a house fire, tornado, or theft.

Homeowners insurance policies cover various issues, including but not limited to:

  • Liability insurance: This covers accidental harm or injury to others, such as the dog biting a neighbor.
  • Medical expenses for others: Pays for minor injuries on your property, such as a guest who slips and falls.
  • Loss of use: Expenditures associated with not being able to reside in your house because of damage covered by the policy.

Dwelling Coverage

A home insurance policy's dwelling portion protects the structure of your home. If you live in areas with high building and labor expenses, the housing coverage amount should be adjusted accordingly. 

Personal Property Coverage

Your belongings are covered if they get destroyed by an accident, so the insurance company should pay for repair or replacement. Furniture, clothing, cooking utensils, drapes, and everything else you've stored away in your basement or attic are included in this category.

Personal property insurance coverage is often set at 50% to 70% of the total dwelling insurance coverage. If your home is insured for $250,000 and your contents coverage is 50%, you'll be covered for $125,000 in belongings. More coverage for your personal belongings is available if necessary.

Liability Coverage

Insuring your home and goods is essential, but it's easy to overlook the liability risks that come along with them.

This insurance will cover the costs if you injure or damage someone else's property. For example, liability insurance can cover the cost of a guest's medical expenses if they fall on your walkway and hurt themselves. Your legal defense costs and a judgment if you're sued are covered by liability insurance.

Any sum over the policy limitations is your responsibility if you don't have enough liability insurance. It is best to get enough liability insurance to cover your net worth or the amount of money you may lose if you were sued.

Purchasing an umbrella policy is a low-cost solution to increase your level of liability protection.

ALE Coverage

ALE can help cover the costs of moving out of your house while it is being repaired due to damage covered by your insurance. If you don't think you have adequate coverage for additional living expenditures, you can get additional coverage at a higher proportion of your dwelling coverage level.

Even though a standard home insurance policy covers most challenges, several situations are not covered.

Does Home Insurance Cover Severe Weather Damage?

Homeowners insurance covers damage from various forms of severe weather. They include:


Homeowners insurance policies often cover damage from hail, less your deductible, because of a hailstorm. One of the most typical weather-related insurance claims is roof damage. Your home insurance coverage may also cover damage caused by the weight of snow or ice.

Wind, Tornadoes, and Hurricanes

If your property suffers damage from strong winds, including those produced by catastrophes such as tornadoes and hurricanes, your standard home insurance policy should cover the cost of repair or replacement. 

Check your insurance to see if you're covered for wind damage or if it's excluded or reduced. If wind damage isn't covered under your current insurance, you may be able to have it covered under a separate policy.

Wildfires and Lightning

Most typical house insurance plans cover wildfire and lightning strike damage. However, if you stay in wildfire-prone areas, you may be unable to locate an insurer who covers this type of damage as a covered danger.

What Severe Weather Damage Isn't Covered By a Standard Policy?

Standard homeowners insurance policies don't cover flood and water damage. Earthquake coverage is frequently excluded from several insurance policies. Several insurers in many states provide a separate policy like flood insurance or endorsement to provide earthquake or flood protection

Filing a Home Insurance Claim for Storm Damage in Port St Lucie

Ensure to file insurance claims as soon as possible after damage occurs to your house. To file a claim with your homeowners insurance, follow these simple steps:

  1. Contact the relevant local authorities.
  2. Document the loss.
  3. Take action to prevent further damage.
  4. Notify your insurance agent or company.
  5. Receive and fill out claim forms.
  6. Meet with an insurance adjuster.

Consider a public adjuster for large claims.

How Long Do Home Insurance Claims Take in Florida?

Florida insurance companies have 90 days to tell you if they have accepted or declined your claim. Once your insurance company accepts the claim, they must pay you within 20 days of their decision. Claims not paid within this time will be subject to a yearly interest rate of 12 percent.

More significant claims mean your homeowners insurance company has more time to devise creative methods to lower your compensation. This means they'll utilize the whole three-month restriction. If you receive a claim denial with ambiguous or no explanation, you should take this as a sign that you have been the victim of bad faith insurance practices.

As a homeowner's insurance policyholder, you should never forget your rights. Knowing your rights and duties is essential to preparing your claim.

Top Reasons for a Denied Homeowners Insurance Claim

Although most home insurance claims are successful, your claim may be denied. Below are common reasons for a denied homeowners insurance claim.

  • Lack of coverage.
  • Failure to meet deadlines.
  • Failure to pay premiums.
  • Poor documentation.
  • Failure to disclose information.
  • Failure to prevent further home damage.

Most insurance companies mislead individuals to accept less than they deserve after an incident. These acts of bad faith can entitle you to file a lawsuit for a denied homeowners insurance claim.

Consult an Experienced Insurance Lawyer for Storm Damage in Port St Lucie

There are various reasons you may receive a denied homeowners insurance claim, even though you believe you are covered.

An in-depth evaluation of an existing or new policy is required to acquire the most significant insight into what may be expected if a claim is made under an insurance policy. You'll learn about the coverage, how to file a claim, and how to estimate how much money you'll get back for damage.

An attorney's presence may be beneficial during the interview with the insurance company to establish the worth of your claim. You can benefit significantly from working with someone who has handled insurance claims for storm damage in Port St Lucie before. An attorney can help you assess if your insurance company is behaving in bad faith and estimate how much compensation you deserve. They'll help you work through the next steps, such as suing your insurance company.

Whether or not you decide to sue, consult an attorney for legal advice.

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