Daytona Beach Tornado Damage Lawyer
Florida has a higher frequency of tornadoes than the rest of the United States, tornadoes can and do occur over much of the country. The Daytona Beach tornado damage lawyers at Bundza & Rodriguez, P.A. have assisted policyholders with their tornado claims. If your insurance company has delayed, denied, or underpaid your home or commercial property tornado claim, we may be able to help you. Insurance companies, even with total loss claims, can unreasonably delay the handling of the insurance claim in order to pressure the insured into accepting a below-market settlement of the claim.
Insurance Policies & Tornado Damage
The Daytona Beach tornado damage claim attorneys at Bundza & Rodriguez, P.A. have helped individuals with tornado claims. Tornadoes can be violent, unexpected, and catastrophic. The pure force that tornado winds create can rip homes, businesses, and other structures to shreds. These storms often leave innocent insurance policyholders without a home or business. If your property, whether it is your home or business, was devastated by the brute force of a tornado, the Dayton Beach tornado damage attorneys of Bundza & Rodriguez, P.A. are here to help.
Tornado Damage & Insurance Policies
Unfortunately, the insurance companies will try to withhold every penny possible. Tornado and other windstorm insurance policies generally require the policyholder to give proof of the loss within a certain amount of time. Sometimes, the insurance company will try to avoid paying for damage done to the inside of your home or business, even though the tornado is what destroyed the exterior of your building in the first place.
Often, policies that cover damage caused by the violent winds of a tornado can come under several labels on your policy, including hurricane, storm, tornado, windstorm, cyclone, or weather insurance. Whatever the label, your insurance company may try to exclude coverage. This might even be the case if you have purchased an all-risks insurance policy. The point is that the insurance company will often try to refuse to pay you for the tornado damage you sustained. If the company’s conduct has been particularly inappropriate, you may have a bad faith action against the company.
Tornado Insurance Claims
Coverage for tornado damage in insurance policies usually falls under the category of “windstorm damage”. Coverage for tornado damage typically includes:
Loss of home – The insurance policy will provide coverage for the loss of your home. Depending on your policy, the value is based on either the market value of your home or the replacement value.
Other Structures – Covers structures such as tool sheds or garages that are separate from the house.
Personal Property – Coverage for certain items in your home that were your personal property. Not all personal property is covered.
Loss of Use – This coverage provides for temporary living expenses while you are deprived of a permanent home.
The amount of coverage a person will receive varies from policy to policy, but if an insurance company denies or underpays a valid claim, you may be entitled to pursue the appropriate compensation from them by taking legal action. For recovery under your policy it is important that you have the experienced Dayton Beach tornado damage lawyers of Bundza & Rodriguez, P.A. on your side. We have helped clients across Florida including in Volusia County, Flagler County and Brevard County.