The immediate aftermath of a hurricane can be a chaotic scene. Downed power lines, fallen trees, debris-laden streets, and the constant roar of generators paint a picture of raw devastation. But for many Florida residents, the true story of a hurricane’s impact unfolds weeks, sometimes months, later. Just as you think the worst is over, you may discover hidden hurricane damage lurking beneath the surface, threatening your home’s structural integrity and your financial security.
The frustration mounts as you realize the initial claim barely scratched the surface of the homeowners’ damage. This hidden damage can take many forms, often appearing after initial repairs have begun or even been completed. Here are some common scenarios you may face:
- The Roof Replacement Uncovers Hidden Problems You filed a claim for roof damage and the repairs are underway. While the work progresses, there’s a chance that hidden problems may arise. These could be issues the inspector missed during the initial assessment, such as faulty flashing, inadequate ventilation, or even structural problems that could lead to future problems.
- Foggy Windows Reveal Hidden Costs: You replace the roof, but then your windows mysteriously fog up. It turns out the storm pressure caused the argon gas between the panes to escape, compromising the window seals. Now you’re faced with an additional expense not covered by your initial claim.
- When Plumbing Problems Follow a Storm: Your claim covers windows, roof, doors, and interior repairs. Everything seems to be progressing smoothly. But then, seemingly out of nowhere, your experiencing plumbing failure and pipe burst leaks in random locations throughout the house. A qualified plumber investigates and determines the culprit: shifting of the house’s foundation due to the storm’s impact. This hidden damage creates new problems and additional claim needs.
- Structural and Foundational Issues Discovered: Your insurance company completes repairs based on the initial claim, but a structural engineer discovers significant foundation damage. This increases the claim amount from $60,000 to $150,000. The insurance company may view this as unrelated to the storm and deny coverage. However, the engineer insists disclosure of the damage is necessary for ethical resale, even if the cause is disputed.
- When “Pre-existing Conditions” Become a Point of Contention: Many homeowners find themselves supplementing their initial claims or facing denials when contractors discover structural damage. Insurance companies may attribute this to pre-existing settling issues, despite a lack of visible cracks before the storm. Engineers, however, can often demonstrate that settling is a long-term process, and the storm exacerbated existing weaknesses.
Dealing with hidden damage after a hurricane can be overwhelming. Insurance companies may resist covering new problems, leaving you frustrated and financially burdened. This is where property claim attorneys like those at Insurance Litigation Group (ILG) can be invaluable.
At ILG, we understand the complexities of insurance claims and the importance of acting swiftly and decisively. Our team of experienced attorneys is dedicated to protecting the rights of residential and commercial policyholders. We will work with contractors, engineers, and other experts to build a strong case for full coverage of storm-related damage, including hidden issues.
Don’t let hidden damage become a financial storm. ILG has five offices conveniently located across Florida in North Miami Beach, Orlando, Pensacola, Fort Pierce, and Naples, to serve you better. We’re here to help you navigate the complexities of your claim and ensure you receive the maximum recovery you deserve.
