Homeowners in Florida and around coastal areas are typically aware of the risks posed by hurricanes and tropical storms. While many of these individuals have taken steps to protect their homes against possible damage caused by severe weather, home damage is going to be a reality for those living in the path of a hurricane. In some cases, this damage can be severe and render a property uninhabitable.

Many of these homeowners rely on flood insurance to cover the cost of making repairs, rebuilding a home and seeking alternative lodging while reconstruction takes place. Unfortunately, not everyone has this type of coverage. In some cases, it is because they are unaware that their homeowners' insurance does not cover flood damage. In other cases, they are reluctant to invest in a private or federal flood insurance policy.

Individuals who do not have flood coverage often have limited options when it comes to finding financial assistance to make repairs. In some cases, they may qualify for limited funding from FEMA or apply for a disaster loan from the Small Business Administration.

Those who do have flood insurance may still face challenges after a weather disaster. This is because some insurance companies fight claims or offer insufficient compensation. This can be particularly distressing to homeowners who have already undergone the trauma of displacement and loss of a home.

Hurricane-affected homeowners may benefit from speaking with an experienced attorney who has knowledge of hurricane insurance claims. The lawyer may be able to review the client's case and make recommendations as to what an appropriate level of compensation may be. In addition, the attorney may be able to lead negotiations with the insurer.

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