In Florida, in order to recover for interior water damage under most homeowners insurance policies, you have to show that the water got into the structure through holes that were created as a result of the storm, NOT through pre-existing holes or spaces.
For example, where winds tear a hole in the roof, blow out windows or doors, or hurl trees or other objects into walls and water enters the home through those openings the insurance company must pay for the water damage. But if the water got in to the house though holes that were already there before the hurricane hit, the water damage may not be covered.
This is just one example of the often convoluted complexity associated with the analysis of Homeowners and Business insurance coverage applicable to hurricanes and other natural disasters.
And the bottom line is this – you need to take photos, talk to witnesses and understand what you are talking about before you say a word to any insurance representative.
That’s what Insurance Consumers is about. That’s why our goal is to Empower Policyholders and our slogan is to help you understand what you bought and get what you paid for.