When a hurricane hits Miami, it can have property damages, or even your things, and your peace of mind. Storms are difficult to live through, and addressing the damage afterward can be even harder—especially if your insurance company doesn’t treat you fairly.
At Englander Peebles, we know how tough it can be. Our team of Miami hurricane damage lawyers is here to guide you every step of the way. You don’t have to deal with this alone.
Why Choose Englander Peebles?
We’re not just lawyers—we’re your neighbors. We live and work in South Florida and understand what you’re going through. Our Miami hurricane damage lawyers have helped many families and property owners just like you.
We’ve seen how insurance companies try to delay, underpay, or deny hurricane damage claims. And we fight back. When you hire Englander Peebles, you get a team ready to stand up for you. We don’t just say we’ll help—we prove it with results.
We’ve recovered over $10 million for our clients. And we’re ready to seek what you deserve.
How Much Is My Hurricane Damage Case Worth?
After a storm, your home and belongings may need expensive repairs. You might also have to live somewhere else while your home is being fixed. These problems can cost thousands—or even hundreds of thousands—of dollars.
The value of your case depends on:
- How bad the damage is
- The type of insurance you have
- If your insurance company is treating you fairly
- If you need extra help paying for temporary housing
Our team will look at every detail and tell you what your case may be worth. And the best part? Your case evaluation is free.
Where Do Hurricane Damage Claims Happen in Miami?
We help people all over Miami and South Florida. From neighborhoods like Little Havana, Wynwood, and Coconut Grove to Miami Beach, Hialeah, and Coral Gables—our Miami hurricane damage lawyers are here for you.
We also help homeowners with hurricane claims in the following ways:
- Kendall
- Homestead
- Opa-Locka
- North Miami
- Miami Gardens
- And all surrounding areas
If your property was hit by a storm anywhere in South Florida, Englander Peebles is ready to help.
What Is Hurricane Damage?
Hurricane damage isn’t just about broken windows or fallen trees. A hurricane can cause many types of damage, like:
- Roof damage
- Flooding
- Water leaks through windows or doors
- Mold and mildew
- Power surges ruining your electronics
- Broken fences and landscaping damage
Even if your home looks good on the outside, problems can hide inside the walls. Our lawyers know how to find and prove all the damage, even the hidden stuff.
Fighting Insurance Companies Isn’t Easy—But We Can Help
Florida has special laws for hurricane claims. These laws are supposed to protect people like you—but insurance companies don’t always follow the rules.
They might:
Say Your Damage Isn’t Covered
After a hurricane, insurance companies may try to avoid paying out by claiming that your damage isn’t covered under your policy. This can be especially frustrating when your home has suffered serious destruction, and you’re left to deal with the aftermath on your own.
Insurance companies may argue that the hurricane didn’t cause the damage or that your policy has exclusions for certain types of damage. They might even say that it’s due to a pre-existing issue with your property or that the damage was “wear and tear” instead of being directly linked to the storm.
At Englander Peebles, we know how to challenge these denials. If an insurance company tells you that your damage isn’t covered, we’ll review your policy and the specifics of your case. If they’re wrong, we’ll fight to ensure you get the compensation you’re entitled to.
Offer Way Less Than Your Repairs Cost
Sometimes, even if your insurance claim is approved, the amount offered might be far less than what it costs to repair the damage. Insurance adjusters may try to downplay the extent of the destruction or underestimate the costs involved in fixing your home. This can leave you struggling to make repairs with far less than what you need.
Whether they undervalue the damage to your roof, flood damage, or other structural problems, the goal is often the same: pay you as little as possible.
At Englander Peebles, we won’t let that happen. We’ll ensure you accurately estimate the true repair cost and ensure the insurance company pays what you deserve. We’ll negotiate on your behalf to ensure that you have the resources to get your home back to normal.
Delay Your Claim for Months
Another tactic insurance companies may use is delaying your claim for months. This can leave you in limbo, with your home unrepaired and your life on hold. These delays are often used to wear you down or force you to settle for a smaller payout.
Insurance companies may drag their feet in assigning an adjuster, reviewing your documents, or approving repairs. Every delay costs you time, money, and stress, and it’s unfair to make you wait while you recover from hurricane damage.
If you’re experiencing delays with your insurance company, it’s time to call Englander Peebles. Our Miami hurricane damage lawyers know how to speed up the process and ensure you’re not left waiting for a resolution. We will keep the pressure on the insurance company to move your claim forward as quickly as possible.
Try to Blame the Damage on Something Else
Insurance companies sometimes try to avoid paying for hurricane damage by claiming that the destruction was caused by something else—like poor maintenance, a faulty roof, or another unrelated issue. This tactic shifts the blame away from the storm and makes it harder for you to get compensated.
Even if the damage clearly happened during the hurricane, an insurer may argue that something else was the primary cause. This can lead to a long, drawn-out battle over who’s responsible for the damage.
At Englander Peebles, we understand how to investigate your claim and gather the evidence needed to prove that the hurricane caused the damage. We’ll work with experts to challenge any attempt by your insurer to blame the damage on something else. Our goal is to ensure that the responsible party—your insurance company—pays for the full extent of the damage.
Our Miami hurricane damage lawyers don’t let them get away with that.
We understand Florida’s insurance laws—like § 627.4025, which defines hurricane coverage, and § 627.7016, which controls how insurers work with repair companies. We also know your rights under Florida’s Hurricane Catastrophe Fund and how programs like My Safe Florida Home can help.
We’ll deal with the insurance company for you so you can focus on getting your life back to normal.
What Should You Do After a Hurricane?
After a storm, it’s important to act fast. Here’s what you can do to help your case:
Take Pictures and Videos of All the Damage
After the storm has passed, it’s important to document all the damage to your property. This includes taking clear photos and videos of anything that was affected. You’ll want to capture everything—no matter how big or small. The more pictures and videos you take, the stronger your claim will be.
Make sure to show the extent of the damage from different angles. If there’s water damage, take pictures of the flooded areas and any damaged furniture or personal items. If trees have fallen or parts of your roof have collapsed, get shots from various points. The goal is to show how the hurricane has impacted your property.
This documentation is crucial when it comes time to file your insurance claim. Your insurance company may request proof of damage, and having visual evidence can make a big difference in the outcome of your case.
Make a List of What Was Damaged or Lost
In addition to taking pictures, creating a detailed list of what was damaged or lost can help ensure you don’t miss anything when filing your claim. Go through each room of your home and note what’s been affected by the storm.
Include things like:
- Broken windows or doors
- Damaged furniture
- Ruined appliances
- Personal belongings (clothes, electronics, etc.)
- Any structural damage to the roof, walls, or foundation
This list should be as thorough as possible and include estimated values for each item if you can. If you have receipts or proof of purchase for expensive items, include those as well. This will help your case when dealing with your insurance company and prove that you’ve suffered real losses.
Keep Receipts for Any Repairs or Temporary Housing
Make any necessary temporary repairs to prevent further damage as soon as you can. This can mean boarding up windows, covering leaks with plastic, or repairing fences or doors to secure your property.
It’s also important to keep all receipts for any repairs you make immediately. Even temporary repairs count, as they show that you’re taking action to protect your home from more damage. You should also keep receipts for any additional costs, such as temporary housing or food, if you have to live elsewhere while your home is being fixed. Your insurance may cover these costs.
Ensure you keep all receipts organized and ready to present to your insurance company. Proper documentation can speed up your claim and ensure all necessary expenses are reimbursed.
Call Your Insurance Company to Report the Damage
Once you’ve gathered the necessary documentation, the next step is to contact your insurance company. It’s important to report the damage as soon as possible. Most insurance policies have a deadline for filing claims after a hurricane, so you’ll want to avoid any delays.
When you contact your insurer, be clear about what was damaged and provide any photos, videos, and lists you’ve compiled. If you’re unsure how to file your claim, ask them for guidance on the next steps. Make sure to note the date and time of your call and the name of the person you spoke to for future reference.
Insurance companies sometimes try to delay or deny claims, so acting quickly is crucial. The sooner you start the claim process, the sooner you’ll get the help you need.
Call Englander Peebles to Protect Your Rights
Dealing with hurricane damage can be overwhelming, especially when you’re trying to navigate the insurance process. At Englander Peebles, we understand how important it is to get the compensation you deserve after a storm.
That’s why we’re here to help. Call (954) 539-8960 immediately to protect your rights and ensure your claim is handled correctly. Our team of experienced Miami hurricane damage lawyers will work with you to make sure you get a fair settlement for your losses.
We’ll guide you through the entire process—from documenting your damage to negotiating with your insurance company. If necessary, we won’t hesitate to take your case to court. Don’t wait—contact us today for your free consultation.
You don’t have to wait until your claim gets denied. The sooner we get involved, the better we can help.
Why It’s So Important to Hire the Right Lawyers
At Englander Peebles, we’re trial lawyers. That means we’re not afraid to go to court if your insurance company doesn’t play fair. Other firms might settle your case for less—but not us.
We’ll fight for every dollar you deserve. Whether that means negotiating hard or taking your case to trial, we’re here to get you justice.
Real Help for Real People
Our lawyers have helped clients after:
- Category 4 and 5 hurricanes
- Roof collapses
- Water damage and flooding
- Denied and delayed insurance claims
We stood by our clients when storms like Hurricane Ian or Hurricane Helene hit Florida. And we’ll be ready to stand by you when the next hurricane hits.
How We Get Paid
Here’s the best part: You don’t pay us unless we win your case.
We get paid when you get paid. That’s how confident we are in our team.
Our Miami Hurricane Damage Lawyers Are Ready to Help
You don’t have to go through this alone. Let the team at Englander Peebles help you get back on your feet after the storm.
We’re here 24/7 to answer your questions. If you’ve suffered hurricane damage in Miami, don’t wait. Call (954) 539-8960 and let our experienced legal team fight for you.