{"id":5698,"date":"2023-01-18T19:28:59","date_gmt":"2023-01-18T19:28:59","guid":{"rendered":"https:\/\/www.kogan-disalvo.com\/?page_id=5698"},"modified":"2025-02-26T14:19:10","modified_gmt":"2025-02-26T19:19:10","slug":"hurricane-ian","status":"publish","type":"page","link":"https:\/\/www.kogan-disalvo.com\/florida-hurricane-damage-attorney\/hurricane-ian\/","title":{"rendered":"Hurricane Ian Insurance Claims Lawyer"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.kogan-disalvo.com\/florida-hurricane-damage-attorney\/hurricane-ian\/#What_Does_Insurance_Cover\" >What Does Insurance Cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.kogan-disalvo.com\/florida-hurricane-damage-attorney\/hurricane-ian\/#Negotiating_with_Insurance\" >Negotiating with Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.kogan-disalvo.com\/florida-hurricane-damage-attorney\/hurricane-ian\/#What_To_Do_for_a_Hurricane_Damage_Claim\" >What To Do for a Hurricane Damage Claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.kogan-disalvo.com\/florida-hurricane-damage-attorney\/hurricane-ian\/#Statute_of_Limitations\" >Statute of Limitations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.kogan-disalvo.com\/florida-hurricane-damage-attorney\/hurricane-ian\/#How_a_Hurricane_Ian_Insurance_Claims_Attorney_Can_Help\" >How a Hurricane Ian Insurance Claims Attorney Can Help<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Hurricane Ian hit the Gulf Coast communities, damaging and destroying businesses, vehicles, and homes. As with most disaster recovery, <strong>insurance payments have been essential to helping entire towns and economies get back on their feet<\/strong>.&nbsp;<\/p>\n\n\n\n<p>If your claim has been refused or minimized, the <strong>Lee County Hurricane Ian damage lawyers at <a href=\"https:\/\/www.kogan-disalvo.com\/\">Kogan &amp; DiSalvo<\/a> <\/strong>are ready to take a second look. We will analyze the losses on your claim, negotiate with insurance to push past lowball offers, and work toward the highest settlement possible. Contact us today for a free case analysis.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter ctamobile\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"tel:5613759500\" style=\"background:linear-gradient(135deg,rgb(206,166,44) 0%,rgb(135,106,2) 91%)\" rel=\"\"> Call Us Now for a Free Consultation <br>&nbsp;561-375-9500<\/a><\/div>\n\n\n\n<div class=\"wp-block-button aligncenter ctadesktop\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"\/contact-us\/\" style=\"background:linear-gradient(135deg,rgb(206,166,44) 0%,rgb(135,106,2) 91%)\" rel=\"\"> Contact Us Now for a Free Consultation <br>&nbsp;Click Here<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Does_Insurance_Cover\"><\/span>What Does Insurance Cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"364\" src=\"https:\/\/www.kogan-disalvo.com\/wp-content\/uploads\/2024\/01\/IMG_3783-hurricane-damaged-home.jpg\" alt=\"A green house in Florida severely damaged by Hurricane Ian\" class=\"wp-image-9829\"\/><\/figure>\n\n\n\n<p>In Florida, <strong>homeowners are required to carry hurricane insurance<\/strong> if they live in an area often hit by hurricanes. However, these policies offer different coverage for a broad range of property damage. Additional policies can provide other types of coverage related to the hurricane, such as auto insurance for a car damaged by storm surge or health insurance for an injured individual.<\/p>\n\n\n\n<p><strong>Some of the damages and repairs that can be included in insurance claims include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Roofing repairs<\/li>\n\n\n\n<li>Repairs for damage to decks, sheds, and fences<\/li>\n\n\n\n<li>Damage to the foundation<\/li>\n\n\n\n<li>Pet fostering<\/li>\n\n\n\n<li>Temporary housing, i.e., hotels or Airbnb, while your home is repaired<\/li>\n\n\n\n<li>Loss of use of property<\/li>\n\n\n\n<li>Repair or replacement of furniture, appliances, and other personal property<\/li>\n\n\n\n<li>Out-of-pocket expenses for relocation.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Negotiating_with_Insurance\"><\/span>Negotiating with Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Like every business, <strong>insurance companies have a bottom line and practical limitations<\/strong>. These limitations include employees who make honest mistakes, difficulty handling the rush of applications that natural disasters bring, and not properly analyzing the compensation a policyholder is due. In addition, an insurer&#8217;s bottom line and a profit motive often <strong>incentivize delaying, denying, and minimizing claims.<\/strong> All of this can place their interests in opposition to policyholders receiving full compensation.<\/p>\n\n\n\n<p>Therefore, it makes sense to have a <strong>dedicated professional who understands insurance law reviewing your claim<\/strong>. They can appeal if it was denied and ensure that you receive every bit of the coverage you paid for from the first day of filing.<\/p>\n\n\n\n<p>Perhaps the most important quality of a <strong>Hurricane Ian damage claims attorney<\/strong> is experience. It assists them at every stage of negotiation and often includes pursuing or appealing claims for other hurricanes, such as those from <a href=\"https:\/\/www.kogan-disalvo.com\/florida-hurricane-damage-attorney\/hurricane-nicole\/\">Hurricane Nicole<\/a>.&nbsp; &nbsp;<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter ctamobile\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"tel:5613759500\" style=\"background:linear-gradient(135deg,rgb(206,166,44) 0%,rgb(135,106,2) 91%)\" rel=\"\"> Has Your Home Suffered Hurricane Damage? Kogan &#038; DiSalvo Can Help <br>&nbsp;561-375-9500<\/a><\/div>\n\n\n\n<div class=\"wp-block-button aligncenter ctadesktop\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"\/contact-us\/\" style=\"background:linear-gradient(135deg,rgb(206,166,44) 0%,rgb(135,106,2) 91%)\" rel=\"\"> Has Your Home Suffered Hurricane Damage? Kogan &#038; DiSalvo Can Help <br>&nbsp;Click Here<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_To_Do_for_a_Hurricane_Damage_Claim\"><\/span>What To Do for a Hurricane Damage Claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"364\" src=\"https:\/\/www.kogan-disalvo.com\/wp-content\/uploads\/2024\/01\/IMG_3816-damaged-home.jpg\" alt=\"An image of hurricane damage in Florida of a red home with a boat on the lawn\" class=\"wp-image-9825\"\/><\/figure>\n\n\n\n<p><strong>Proving the extent of a hurricane damage claim<\/strong> requires<strong> evidence and proof that the property owner took reasonable actions<\/strong> to prevent further damage.<\/p>\n\n\n\n<p><strong>Actions you can take to help protect and pursue your claim include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taking videos and photos of the property damage<\/strong> after the hurricane and continuing to document additional damage that may develop.<\/li>\n\n\n\n<li><strong>Documenting the reasonable steps you took to prevent further property damage<\/strong> as you wait for your claim to provide more permanent repairs. This can include draining standing water, replacing or boarding up broken windows, or providing temporary fixes, e.g., placing a tarp over holes in the roof.<\/li>\n\n\n\n<li><strong>Making an inventory of all damaged, destroyed, or lost property<\/strong>.<\/li>\n\n\n\n<li><strong>Contact your insurance company<\/strong>, which will likely send an adjuster to inspect the damage and prepare a report for the insurer.<\/li>\n\n\n\n<li><strong>Schedule a free consultation with an insurance claims attorney<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Statute_of_Limitations\"><\/span>Statute of Limitations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>statute of limitations for hurricane damage claims is typically three years from the date of the storm<\/strong>. Should it be filed later than this deadline, the claim will typically be denied unless an exception applies.<\/p>\n\n\n\n<p>Hurricane damage claims are often extensive, requiring time to analyze the full price of the destruction of your property and repairs due under a policy. Consulting with a <a href=\"https:\/\/www.kogan-disalvo.com\/florida-hurricane-damage-attorney\/\">hurricane damage lawyer<\/a> early will help address any issues that may delay or minimize your claim, such as receiving advice on properly mitigating losses or locating relevant experts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_a_Hurricane_Ian_Insurance_Claims_Attorney_Can_Help\"><\/span>How a Hurricane Ian Insurance Claims Attorney Can Help<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"364\" src=\"https:\/\/www.kogan-disalvo.com\/wp-content\/uploads\/2023\/06\/kogan-disalvo.jpg\" alt=\"The attorneys at Kogan &amp; DiSalvo in front of their office building\" class=\"wp-image-8027\"\/><\/figure>\n\n\n\n<p>Hurricanes are a fact of life in Florida. After Ian, many Floridians did not expect a denial from their insurance policy that they had paid for years.<\/p>\n\n\n\n<p>However, an <strong>insurance claims attorney<\/strong> can review your policy, consult with experts, and analyze your claim. <a href=\"https:\/\/www.kogan-disalvo.com\/contact-us\/\">Schedule a free consultation<\/a> with a <strong>dedicated Hurricane Ian insurance claims attorney at Kogan &amp; DiSalvo<\/strong>. We can help you file your claim correctly the first time, maximize the amount, stay on top of filing deadlines, and press your insurer to respond in a timely and reasonable manner.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter ctamobile\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"tel:5613759500\" style=\"background:linear-gradient(135deg,rgb(206,166,44) 0%,rgb(135,106,2) 91%)\" rel=\"\"> Home Suffered Hurricane Damage? Call Us for a Free Consultation <br>&nbsp;561-375-9500<\/a><\/div>\n\n\n\n<div class=\"wp-block-button aligncenter ctadesktop\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"\/contact-us\/\" style=\"background:linear-gradient(135deg,rgb(206,166,44) 0%,rgb(135,106,2) 91%)\" rel=\"\"> Home Suffered Hurricane Damage? Call Us for a Free Consultation <br>&nbsp;Click Here<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Hurricane Ian hit the Gulf Coast communities, damaging and destroying businesses, vehicles, and homes. As with most disaster recovery, insurance [&hellip;]<\/p>\n","protected":false},"author":46,"featured_media":0,"parent":5213,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_cgt_translated_page":false,"_cgt_alternative_url":"","_cgt_current_language":"","_cgt_original_post_id":0,"_cgt_original_language":"","_cgt_target_language":"","footnotes":""},"class_list":["post-5698","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hurricane Ian Damage Lawyer in Florida | Kogan &amp; DiSalvo<\/title>\n<meta name=\"description\" content=\"A Hurricane Ian damage lawyer at Kogan &amp; DiSalvo can analyze your policy, review an insurance adjuster&#039;s findings, and push for maximum compensation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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