YOUR LIFE IN LANTANA
Protecting the home your family comes back to
For Lantana households near the lagoon, along the coast, or farther inland, storm cleanup can mean juggling repairs with work, school, and temporary living arrangements. We start with your policy, the damage you reported, and the insurer's response. A neighbor's claim can be very different from yours, even after the same storm.
Look beyond the amount on the estimate
What the policy covers
Wind, water, and flood damage can raise different coverage questions. Flood coverage is usually separate. The cause of the loss, exclusions, limits, and deductibles must be reviewed together.
What was documented
Photographs, repair estimates, inspection reports, and receipts can help explain the damage and your response. Preserve existing records without entering an unsafe property to collect more.
What the insurer has said
A denial letter, payment explanation, or request for more information may identify the issue in dispute. We help you understand that issue before discussing a possible next step.
Make the claim easier to review
- Follow local safety guidance and report damage promptly under your policy. Keep your claim number and copies of what you submit.
- When safe, document conditions and keep receipts for temporary measures or living expenses. Ask about policy duties and inspection requirements before major repairs.
- Bring the policy, estimates, and insurer correspondence to a consultation. We will discuss the scope and terms of any proposed representation.
Questions about this practice area
Does homeowners insurance cover every type of storm damage?
No. Coverage depends on the policy and the cause of the damage. Flood damage is generally handled through separate flood coverage, while other losses may involve different provisions or exclusions.
Can I ask for help after receiving a payment?
Yes. We can review the payment explanation, repair information, and any documents you signed to discuss whether further options may exist. Receiving a payment does not tell us the whole story.
What should I do if I cannot find my policy?
Ask your insurance company or agent for a copy. You can still start a conversation with the claim number and correspondence you have; we will explain what else is needed for a meaningful review.
