When a hurricane devastates a community, homeowners expect their insurance policies to offer a safety net. Unfortunately, many insurance companies have a reputation for denying legitimate hurricane damage claims. These denials are not always based on a valid reason but rather as a strategy to curtail payouts. For property owners who are already dealing with the emotional and financial stress of hurricane damage, this can be an added frustration and injustice.

Insurance companies often employ tactics designed to avoid paying the full amount policyholders are owed. If outright denial of a claim doesn’t work, they typically resort to low-ball settlement offers. They hope that desperate homeowners—facing massive financial pressures and needing immediate repairs—will accept the first offer, even if it doesn’t cover the full extent of the damage.

These companies are betting that most property owners will accept these low offers to quickly begin the rebuilding process. Unfortunately, this leaves many individuals undercompensated for the damage they’ve sustained from hurricane winds, flooding, or storm surges.

Why Insurance Companies Deny or Undervalue Claims

Insurance companies are businesses, and like any business, their primary goal is to protect their bottom line. Paying out large settlements for widespread hurricane damage can be costly, so insurers will often try to minimize these costs by:

1. Denying claims outright – This forces the policyholder to either accept the denial or challenge it, which can be time-consuming and complex.
2. Making low-ball offers – They may offer far less than what’s needed to fully repair the damage, hoping that homeowners will take the quick payout and not pursue further compensation.
3. Citing policy exclusions – Companies may argue that certain types of damage, such as flooding or storm surge, are not covered under your policy, even when you thought you had comprehensive coverage.

How Barak Law Group Can Help

At Barak Law Group, we understand the games insurance companies play. Our team of experienced southwest Florida hurricane insurance claim lawyers is here to fight for your rights and ensure that you receive the full and fair settlement you deserve.

We know the tactics insurers use, and we won’t let them pressure you into accepting less than you’re owed. Whether you’re dealing with wind, flood, or storm surge damage, we’ll review your policy, gather evidence, and build a strong case to push back against unjust denials or undervalued offers.

What You Can Do if Your Claim is Denied or Lowballed

If your hurricane damage claim has been denied or you’ve received a low-ball offer, don’t give up. You have options. Here’s what you can do:

1. Consult with a hurricane insurance claim lawyer – Legal representation can make all the difference when negotiating with an insurance company. With Barak Law Group on your side, you’ll have skilled attorneys who know how to handle these disputes.
2. Document your damages – Take photos, videos, and gather any repair estimates or contractor assessments. The more documentation you have, the stronger your case.
3. Review your policy – Sometimes, insurance companies count on the fact that homeowners aren’t familiar with the fine print of their policies. We can help you understand what your policy covers and challenge any incorrect denials.
4. Appeal the denial – If your claim is denied, you don’t have to accept it. You can appeal the decision, and with legal help, you may have a stronger chance of success.

Don’t Settle for Less Than You Deserve



The aftermath of a hurricane is difficult enough without the added stress of fighting with your insurance company. You shouldn’t have to settle for less than what’s necessary to rebuild your home and your life. At Barak Law Group, we are dedicated to fighting for homeowners in Southwest Florida who have been wronged by their insurance companies.

Our team has the experience, knowledge, and commitment to help you get the full compensation you are entitled to. Don’t let the insurance company take advantage of you. Contact Barak Law Group today and let us fight to secure the settlement you deserve.