Has Your Home, Commercial Property or
Business Been Damaged by Hurricane Ian?




If you have Hurricane Ian damage, or if your Hurricane Ian insurance claim has been denied, underpaid, or delayed by your insurance provider, the experienced attorneys at HL Law Group can help. Our team will aggressively advocate on your behalf and work to obtain the proper recovery for your Hurricane Ian claim without delay.

Intake Form

If you have a claim related to storm damage from Hurricane Ian, contact us today and let us assist you in working to resolve your Hurricane Ian insurance claim.

Hurricane Ian was declared a high-end category 4 hurricane

The insurance claims attorneys at HL Law Group can guide you through the claims process and help you on your journey to recover and rebuild. Contact our firm to speak with a knowledgeable attorney who has experience with catastrophic disaster claims such as hurricanes to review your policy at no cost to you.


When hurricanes travel over land, they can cause tremendous damage to coastal cities and towns. In September 2022, Hurricane Ian was declared a high-end Category 4 hurricane that caused immeasurable damage across parts of Cuba and throughout the southeast U.S., especially Florida. It was later deemed the deadliest hurricane to hit Florida since the Labor Day hurricane in 1935.


Discuss your case with one of our attorneys today! The consultation is FREE and we don’t charge any fees unless we recover for you.


Contact us at (855) 713-1212 today to schedule a FREE consultation with one of our knowledgeable attorneys. Complete our Hurricane Ian Intake Form and a member of our team will contact you to discuss your claim. We can schedule a time for you to speak with one of our experienced hurricane claims attorneys to discuss your options and explain your rights.


Call HL Law Group at (855) 713-1212 to request a FREE consultation with a hurricane insurance claims attorney.

Get Help from a Hurricane Insurance Claim Attorney

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On September 28, 2022, Hurricane Ian made landfall near Fort Myers, Florida.

It then tore a path of destruction throughout the state over the course of two days. Although hurricanes typically pose less of a threat to cities situated towards the center of the state, such as Orlando, the 150-mile-per-hour winds that accompanied the Category 4 hurricane affected these inner cities before progressing back towards the ocean. People across the state suffered catastrophic damage to their property and a tragic loss of life.


Hurricane Ian caused a confirmed 119 deaths in Florida, according to a recent article. However, the death toll is expected to rise as search teams continue to reach areas that had previously been cut off due to debris and floodwaters. News sources also announced that Hurricane Ian left more than 613,000 homes and businesses without power and many without clean tap water and resulted in more than 100 boil-water advisories that went into effect shortly following the storm.


The financial impact of Hurricane Ian will be extensive. According to a recent Bloomberg article, the anticipated cost of private U.S. insurers will likely reach $63 billion in claims, making Hurricane Ian the biggest storm-related loss in the history of Florida. Another estimate published by CoreLogic puts wind-related losses for both residential and commercial Florida properties between $22 billion and $32 billion. An additional $6 billion to $15 billion will likely be contributed to insured storm surge losses.

According to NPR, Floridians’ premiums are rising much faster — about 33% each year — than the typical American’s annual increase of 9%. Insurance premiums have been on the increase, and now that Florida has witnessed one of the costliest hurricanes in history, it is time for insurance companies to step up and help their policyholders recover their losses. Delaying important funds to repair flooded cars, fix damaged roofs, or restore business operations is detrimental to Florida’s recovery efforts.


Our attorneys understand the insurance industry and claims process and can explain your policy to you and work to maximize your claim value. We are responsive, attentive, and will work diligently on your behalf to ensure your voice is heard. Our approach is practical but creative, results-driven and comprehensive, as we will leave no stone unturned.

HL Law Group has a proven history of helping residential and commercial property owners recover losses due to natural disasters such as hurricanes.

Florida Counties & Cities Damaged by Hurricane Ian

• Lee

• Collier

• Charlotte

• DeSoto

• Hardee

• Hillsborough

• Manatee

• Pinellas

• Sarasota

• Fort Myers

• Sarasota

• Punta Gorda

• Macro island

• Sanibel island

• Captiva

• Cape Coral

• Naples

• Englewood

• Bradenton

• Port Charlotte

• Bonita Springs

• Venice

• North Port

• Pelican bay

• Orlando

• Daytona

• New Smyrna

Residential & Commercial Property Damage Caused by Hurricane Ian

Hurricanes can cause catastrophic damage and destruction as they tear across land. While storm surges are the deadliest consequence of hurricanes, extensive property damage can also be caused by strong winds that uproot trees and hurl debris. Hurricanes can also cause significant flooding that can damage buildings, vehicles, yachts, private aircraft, and other valuable property.


Much of Central Florida experienced high winds and rainfall of more than 14 inches. Many home and business owners encountered downed power lines, high floodwaters, and scattered debris that closed their businesses and left their homes uninhabitable. If you own residential or commercial property in Fort Myers, Punta Gorda, Sanibel Island, Marco Island, Captiva, or another area affected by Hurricane Ian, call one of our experienced Hurricane Ian Attorneys today for a FREE consultation.

Recognizing Damage Caused by a Hurricane or Storm

Hurricane-force winds can cause significant damage to both man-made and natural structures. Even a Category 1 storm can down power lines, blow branches into windows, and tear shingles off of roofs. The following lists each hurricane category and the associated miles per hour wind gusts they are capable of.


Category 1: 74-95 MPH

Category 2: 96-110 MPH

Category 3: 111-129 MPH

Category 4: 130-156 MPH

Category 5: 157+ MPH


Hurricane Ian hit Florida’s coast as a Category 4 hurricane, causing catastrophic damage and destruction across the state. Wind-related loses will account for a large majority of insurance claims due to the 130+ mile-per-hour winds associated with its Category 4 status.

During hurricanes, many types of severe damage can occur.

• Flood damage

• Wind damage
• Water damage
• Structural damage
• Roof damage
• Electrical damage
• Mold damage
• Landscape damage

• Broken windows

• Vehicle damage

• Automobile damage
• Yacht damage
• Private aircraft damage
• Damage to antiques & collectibles
• Business Income Loss


Flooding Damage

One of the most devastating effects of Hurricane Ian was flooding. Flooding has the power to cause costly property damage that may not be covered under a typical homeowner’s insurance policy. If you did not purchase a separate flood policy, you may not be able to recover for the damages. Speak with one of our attorneys who are familiar with property insurance policies to see if we can help.

Roof Damage

Roof damage is typically caused by hurricane-force winds. Strong winds can cause roofing materials to lift, crease, or detach, and in extreme cases, the entire roof structure can blow off the building. Missing shingles, cracked roof tiles, damaged roof flashing, damage to metal roofing, damaged facia, damaged gutters, and damaged ventilation are all common types of roof damage that may have occurred during Hurricane Ian.

Other Damage

Some home, commercial property and business owners may have experienced damage to their property’s siding or other exterior structural abrasion, resulting in water intrusion and mold development. Mold growth often accompanies water damage, especially in the aftermath of hurricanes. It is important to raise these issues for your insurance company as they are often overlooked during investigations. Consulting with a property damage insurance claims attorney is the best way to ensure that no issues are overlooked.

You can expect an experienced hurricane insurance claim attorney to discuss your legal options at no cost and explain your rights as a victim of Hurricane Ian.


Insurance Companies and Claims for Hurricanes

In addition to the physical effects that hurricanes can have on people and property, major hurricanes like Hurricane Ian have resulted in challenging financial and insurance problems for countless individuals throughout the state of Florida. Getting legal advice from a well-established law firm is especially important when a claim has been denied outright or if the insurance company pays or offers less than you are entitled to. Your insurance policy requires that your property be returned to its “pre-loss condition”, which is the condition your property was in before the damage occurred. This is why it is essential to become familiar with the insurance claims process following a hurricane and learn why professional legal advice is always recommended when dealing with your insurance company.

There is a formal claims process that the policyholder must follow with the insurance company when opening and pursuing an insurance claim.

Most policies require that the claim be reported “promptly” after discovery. In addition, homeowners and commercial property owners who experience damage should inventory and document their losses. Evidence of your damage and losses could be valuable in supporting coverage for your claim.


Once the claim has been reported, the insurance company will review the claim details and evidence and inspect the damage at the property. Based on their inspection, the insurance company should then “adjust the loss”, which means they should review the provisions of your policy in light of the damage to determine if coverage should be afforded. If they extend coverage, then the insurance company is required to issue funds equal to the value of the damage they assess as “undisputed funds”, meaning that these funds should be paid to you without condition and without delay, subject to your policy’s deductible.


There are many conditions in a standard property insurance policy that a property owner must comply with, such as mitigating the loss (i.e. preventing the loss from getting worse) providing information to the insurance company and submitting to a recorded statement or an “EUO”, otherwise known as an “examination under oath”, which is similar to a deposition. It is important to understand these obligations as the failure to comply can in and of itself form a basis for the insurance carrier to deny coverage for your claim.

Homeowners, commercial property and business owners count on their insurance company to cover the cost of repairs or replacement of damaged property after incidents like hurricanes. In many cases, property and business owners are unable to return to their properties until the damage has been fixed. Unfortunately, many policyholders never receive the compensation that they are entitled to after filing a claim. Working with an experienced and responsive law firm when dealing with your insurance company will assist you in understanding your rights and obligations in the insurance policy and help to position you for success.

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Maximizing Your Hurricane Ian Insurance Claim

There are several steps that you can take to protect yourself, streamline the insurance claims process, and maximize the value of your claim amount.

File your claim promptly

Do not wait to file an insurance claim. Contact your insurance company right away to start the process.

Document all damaged property

Take photos of all damaged items on the interior and exterior of your property.

Consult an attorney

If you feel that you are not being treated fairly, contact a hurricane insurance attorney at HL Law Group to discuss your claim.

Know your rights

Understanding your rights and obligations in the insurance policy will give you a critical advantage in the claims process and could help you to avoid pitfalls. Knowledge truly is power.

Allow our team of experienced attorneys help you by explaining your rights and providing you with critical information about the claims process.

Hurricane Ian Claims Attorney Representing Policyholders

Focusing on Claim Disputes & Insurance Company Claim Delays Involving Hurricane Ian

Many property owners do not have the time or legal acumen to review their entire insurance policy or deal with their insurance company in the aftermath of an event like Hurricane Ian. Insurance policies are dense legal documents with provisions that are hard to decipher, and managing an insurance claim requires a lot of time and attention and can feel like a full time job. Just getting to the point of a claims decision can be difficult and time consuming. Our law firm focuses its entire practice on the insurance claims process, pre-suit and in litigation, so that you don’t have to.

Your insurance company may exclude damage caused by Hurricane Ian even though the damage should be covered. In some cases, an insurance company may partially or completely deny a claim by alleging that the damaged property resulted from an uncovered loss. If claim payments are received, the insurance company may only reimburse a policyholder for a small fraction of what it will cost to repair the property. Your insurance policy requires that your property be returned to its “pre-loss condition”, which is the condition your property was in before the damage occurred. This is what you are entitled to. If the insurance company pays less than this amount, you should consider seeking professional assistance.


In addition, claim payments may be delayed for a variety of reasons. In the worst case scenario, such delays may be through oversight or could be intentional. If your insurance company has requested the same documents multiple times or asks you to provide claim forms that you previously provided, this may be an indication that you need to change your approach. Contact an experienced Hurricane Ian Claims Attorney at HL Law Group to help keep your claim moving in the right direction. More than a law firm we are a legal resource to our clients.

HL Law Group is Here to Help with Your Hurricane Ian Insurance Claim

At HL Law Group, we understand the heartbreaking effects that Hurricane Ian has had on residents throughout Florida and other affected areas. With winds clocking in at speeds over 155 mph, floodwaters reaching more than 12 feet in depth, and dozens of lives lost, Hurricane Ian is a widespread tragedy.


Millions of people had been left isolated due to power outages and flooding, and wind damages alone have racked up between $22 and $32 billion in insured losses in the state of Florida. Flooding and water damage account for an additional $6 to $15 billion.

Our legal team at HL Law Group has helped many Florida residents recover hundreds of millions of dollars of losses after experiencing damages caused by other Florida hurricanes, such as Irma, Wilma, and Michael. We also assisted New York residents in the aftermath of Hurricane Sandy litigate issues involving flood vs. wind damage and we have the experience to assist you.

Our experienced attorneys have worked with families, residential homeowners, businesses, condominium and homeowners associations as well as commercial property owners and property managers impacted by hurricanes over the last 15 years and we are here to help those who have experienced losses due to Hurricane Ian. We have recovered hundreds of millions of dollars for our clients who have suffered damages due to hurricanes and we are ready to help you too. Please call us for a free case evaluation today.


As a property owner, you take the necessary steps to protect your family and property by securing a property insurance policy. When a disaster like Hurricane Ian strikes, many homeowners and commercial property owners find that their insurance company is not meeting their expectations. Many property owners who have suffered extensive property damage may find that their claim is underpaid, denied, or delayed.


Contact us at (855) 713-1212 today to schedule a FREE consultation with one of our knowledgeable attorneys or complete our online Hurricane Ian Intake Form and a member of our team will contact you to discuss your options.

At HL Law Group, we have more than 15 years of experience in the property insurance industry.

We always go above and beyond on behalf of our clients in pursuing a recovery for their claim. We offer smart legal solutions to complex legal problems and we are here to assist you in recovering your losses for Hurricane Ian related damage, such as:

• Wind damage

• Roof damage

• Compensation for loss of use or additional living  expenses, such as temporary housing and meals

• Replacement costs for damaged personal property, appliances, and furnishings

• Flood damage

• Structural damage to homes or commercial buildings

• Business interruption, business loss or loss of inventory

• Damage or loss of automobiles

• Damage to other structures, such as garages or sheds

• Damage to yachts or boats

• Damage to private aircraft

• Damage to or loss of antiques or collectibles

Contact HL Law Group today to discuss your case

We have successfully represented many clients with losses from natural disasters, including some of the largest and most complex claims, and we have the resources and experience to help you to resolve your claim. 

If you experienced storm damage from Hurricane Ian, contact us today and let us assist you in resolving your claim.

Our team of experienced attorneys are forward thinking and creative in their approach to lawyering and zealous in the representation of their clients. All recoverable damage will be aggressively pursued to the maximum amount that you are entitled to.


If you believe that your insurance company is not offering you the amount of money you deserve or is improperly denying or delaying payment of your claim, then contact our law firm. One of our attorneys can review your insurance policy, FREE of charge, and recommend qualified vendors to conduct inspections of your property to determine the damages that are owed.


We can also review your insurance company’s determination, FREE of charge, to advise if you qualify for coverage. More than a law firm, we are a legal resource to our clients.