If you have suffered property damage from hurricane Ian, The Morgan Law Group claim attorneys can help you file a claim and ensure you receive the reimbursement you are entitled to.
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AWARDS AND RECOGNITION
The National Oceanic and Atmospheric Administration lists Florida’s insured coastal properties that are vulnerable to hurricanes at $2.86 trillion. At The Morgan Law Group, our Florida-based hurricane damage claims attorneys know how important hurricane insurance is to our community because we not only represent those affected by these powerful natural disasters — we are part of the community that is affected by these powerful storms.
After witnessing the destruction the Hurricane Michael brought to the state’s panhandle residents in 2018 and how the insurance companies behaved towards their claimants, our commitment to serving those who are being victimized by both nature and insurance providers has only deepened.
Hurricane Ian After The Storm | The Morgan Law Group
Can I appeal a denied workers' compensation claim in Florida, Mississippi, or Louisiana?
At MLG Injury, our workers’ compensation attorneys in Florida, Mississippi, and Louisiana know that specific employer coverage requirements are based on the type of industry, number of employees, and entity organization, but all are required to provide workers’ compensation insurance for their employees.
That means, when employees are hurt at work, they should be protected by Workers’ Compensation Laws, which provides coverage for medical bills, lost wages, and other important expenses when they cannot work due to their injuries.
Unfortunately, not all Florida workers’ compensation claims are approved for payment, which can lead to our residents paying for these ever-increasing costs out of pocket.
If your workers’ compensation claim is denied, it is not necessarily the final word on your case.
We can help determine the reason your claim was denied and file an appeal on your behalf to remedy the initial ruling, so you can focus on your recovery without financial worry.
Who is eligible for Workers’ Compensation Benefits in Florida, Mississippi, and Louisiana?
At MLG Injury, our workers’ compensation attorneys know that all employers conducting business throughout the state are required to provide specific workers’ compensation insurance, which is determined by the type of industry the business operates within and the number of employees they have on their payroll.
If you are injured because of a work-related accident, your employer’s workers’ compensation coverage may entitle you to receive both medical and partial wage replacement benefits.
Can I get fired for filing a workers’ compensation claim?
All businesses with four or more employees and all construction businesses with even one employee are required to have workers’ compensation insurance that provides benefits for employees who get injured at or because of their work.
At MLG Injury, our workers’ compensation attorneys know that legally, employees cannot be fired for reporting an injury or filing a workers’ compensation claim.
This is called retaliatory termination, and it is illegal.
However, just because it is illegal does not mean that it does not happen.
There are too many cases involving workers getting fired within months of getting injured and filing a workers’ compensation claim.
Often, these terminations are presented as business strategies designed to downsize or make budget cuts.
In reality, they are often retaliation for the claim itself.
How are workers’ compensation benefits paid in Florida, Mississippi, and Louisiana?
At MLG Injury, our workers’ compensation attorneys know that each workplace injury or illness, and the resulting claim, is unique.
While workers’ compensation coverage is paid by employers at no cost to the employees, it is the employee’s responsibility to report a work-related accident as soon as it happens and to seek medical care immediately.
When pursuing worker’s compensation benefits, one person’s needs will differ from another’s, based on the type of injury, the length of their recovery, and whether any permanent damage occurred.
Here is what employees need to know about filing a workers’ compensation claim and how it is paid.
Can My Workers’ Compensation Claim Be Denied?
Our workers’ compensation attorneys explain to each of our clients that the number one reason insurance companies deny claims is because they simply do not want to part with their corporation’s money.
According to NCCI’s State of the Line analysis, workers’ compensation insurance premiums for both state funds and private carriers totaled $42 billion last year.
Insurance companies have a single goal, which is to keep as much of that revenue as possible.
That often leads to workers’ compensation denials based on:
Employers refuse to admit that the employee’s injury occurred during a work-related activity;
Insurance companies dispute the injured person’s story, claiming he or she is simply not hurt;
Workers’ compensation laws reference that the employee’s injury does not comply with the obligation to show he or she was injured by an accident, by a specific traumatic incident, or an occupational disease.
Often the workers’ compensation denial will come in the form of a confusing correspondence that further interferes with the injured worker’s ability to get the benefits he or she is entitled to for their damages. We can help outline your legal rights and options to hold the insurance company responsible for their coverage obligations.
How Much Does a Workers' Compensation Injury Attorney Cost in Florida, Mississippi, and Louisiana?
In most cases, we are a contingency-fee firm, which means, we get paid a percentage of the monetary amount our clients receive, when we win or settle their case. Majority of the time, our clients do not pay us hourly fees, and if we fail to win in their favor, they do not owe us anything.
How Long Do I Have to File a Workers’ Compensation Claim?
Workers’ compensation law requires an injured worker to report the accident to their employer within 30 days of its occurrence.
If the injury is the result of occupational exposure, the worker has 90 days to report it.
When workers fail to report their work accident and injury to their employer in the mandated timeframe, the employer can — and most likely will — deny the claim, stating “late notice” was given (or not given at all).
The best course of action is to report any work accident and injury immediately after it happens.
The longer you wait to report the incident, the more likely the details of your accident will start to become inconsistent, which may jeopardize your claim — and worsen your injuries.
Do I qualify for workers' compensation benefits if I am an independent contractor?
Independent contractors are not considered employees, which means they do not qualify for workers’ compensation coverage from the employer they are working for, unless they are in the construction industry.
However, there are circumstances where, as an independent contractor, it may be possible to file a personal injury claim instead, which could entitle you to full financial compensation for your injury-related losses..
Frequently Asked Questions
What Are the Major Causes of Property Damage from Hurricane Ian in Florida?
Hurricane Ian is one of the strongest and most destructive storms in Florida’s recent history. The purpose of having hurricane insurance is to protect you in times of need. When damage occurs to your home or property, you expect your insurance company to make you whole again. Unfortunately, sometimes they have other plans.
When your home and property is impacted by the hurricane’s conditions, including high winds, storm surges, and torrential rains, the damage can penetrate every part of your home, business, or other structure requiring the complete replacement of the components therein, including walls, floors, ceilings, and everything in between.
Insurance companies often delay payments, submit partial payments, or reply with outright rejections to the claims you fully expected them to pay after hurricane damage has changed your life. And the emotional toll that takes on you and your family can cause severe stress, anxiety, and grief.
You do not have to face the insurance claim process alone. Whether you are surveying your hurricane damage to submit a claim to your insurance company, or if you have already been met with resistance, our claims attorneys can help you pursue the financial recovery you deserve.
Contact Our Experienced Hurricane Property Damage Attorneys in Florida
At The Morgan Law Group, P.A., our hurricane damage claims attorneys work on a contingency basis, which means you do not pay for our legal services unless we win your case. Contact our experienced hurricane damage law firm to learn how we can help you face the insurance company with confidence today.
The Morgan Law Group, P.A. is a Hurricane Damage Claim law firm in Florida, serving Orlando, Miami, Naples, Tampa, Pensacola, Panama City, and any other jurisdiction in the Sunshine State. Call our law firm to have peace of mind knowing that your property damage claim as a result of hurricane Ian is being handled by true professionals.
Schedule a Free Consultation With The Hurricane Ian Property Damage Attorneys at The Morgan Law Group
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After you fill out the form, our legal team will reach out to you shortly. We will have an honest and direct conversation about your case to learn about your unique situation. Claim your no-obligation, free case review today!
Call Our Lawyers
Our phone lines are open 24/7, so you can call our team and instantly get a human response. Your dedicated team of Hurricane Ian property damage attorneys will keep in close contact with you throughout the entire legal process.
"Morgan law group handled my claim diligently and efficiently. They kept me up to date throughout the entirety of my claim and were always there to answer all my questions. They are very professional and wonderful people to have handling your case. I would refer and recommend this law group to everyone. Thanks again!"
No. This is a common misconception that making a claim or hiring an attorney will
cause you to lose coverage. You have every right to call a lawyer if you feel your claim
is not being handled properly.
Will my insurance raise my premiums if I file a lawsuit?
Most premiums are raised annually with or without a claim or lawsuit being filed. You
pay for insurance to protect you; and our lawyers are here to help enforce the protection
you deserve. Factors that generally cause an individual to have a significant change in
premium different from the general public is the number of claims made in certain period
of time (normally 3 years) and if those claims were for non standard type claims. A
hurricane, tornado or other storm generally affect a large area and are due to Mother
Nature; these a considered standard claims.
How do I get The Morgan Law Group to help me?
To get started with a Free Consultation. Simply contact our office for a quick review of
your claim. Our intake department will schedule a call with one of our attorneys.
Please have the following items handy: Copy of Your Insurance Policy/Declaration Page, Denial Letter (If Applicable), Correspondence With Your Insurance Carrier (If Any), and Pictures/Estimates Of Your Damage.
How much does it cost to hire The Morgan Law Group?
In most cases, we are a contingency-fee firm, which means, we get paid a percentage
of the monetary amount our clients receive, when we win or settle their case. Majority of
the time, our clients do not pay us hourly fees, and if we fail to win in their favor, they do
not owe us anything.
Why should I call The Morgan Law Group before filing a claim?
You should call The Morgan Law Group before you file a claim to ensure your claim is
handled properly. Our attorneys are policy experts and we understand insurance
companies. We will prepare your claim to ensure the coverage that is outlined in your
insurance policy is reflected in the submission, creating fewer obstacles for you and
giving the insurance company very little room to deny the claim.
We also have the resources and a network of professionals to assist with short-term
repairs and locate temporary housing if needed for you and your family.
What if I already hired a public adjuster?
If you have already hired a public adjuster, you can still hire The Morgan Law Group.
Our team partners with various public adjusters, contractors and other restoration
experts and work together to get your claim resolved quickly and efficiently as possible.
What if I need immediate repairs?
If you need immediate repairs to your home or business, call The Morgan Law Group.
We have a network of experts ready to assist you with your repairs and mitigation. Our
team can also help locate temporary housing if needed.
What does my free consultation include?
Your free consultation includes a scheduled call with one of our attorneys to determine
coverage by reviewing your policy limits and an overall discussion of your damage.
The Morgan Law group will then help you assess your damage, file your insurance
claim, assist and/or coordinate with damage repairs and file any necessary litigation.
Before you call your insurance company, call The Morgan Law Group. Our attorneys are experienced in insurance claims. We will prepare your claim to ensure the limits as outlined in your insurance policy are properly reflected in the submission, thus maximizing your coverage, creating fewer obstacles for you and giving the insurance company very little room to delay or deny the claim.
Our team works with a network of professionals that can assist with making emergency cleanup or temporary repairs timely so the damage does not get worse.
You should take photos and/or videos of your damage to your property, interior and exterior, along with any personal items after the hurricane and make notes – particularly if there is structural damage.
Do not discard damaged items until an adjuster has inspected them. If you took photos prior to the storm, compare those to photos taken after the storm.
Save all receipts for all immediate repairs made, incurred hotel or other housing, along with food or other expenses incurred due to evacuating your area.
Keep a journal of every conversation with insurance representatives and others involved in your hurricane damage claim. Record the day and time of the conversation, the name of the person you spoke with, and make note of any monetary amounts mentioned. You should also be given a business card from any person that comes out as a representative of your insurance company.
