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Published articles by Danahy and Murray

Hurricane Michael Strengthening as it Approaches Florida Panhandle

Recent forecasts indicate that Hurricane Michael may be a major category 3 storm when it makes landfall. This means that winds from 111 to 129 mph could strike areas of the Florida Panhandle and Big Bend region. Governor Rick Scott has declared a state of emergency. This post will explore how you can prepare for the storm, stay safe, and pursue a successful insurance claim if your home or business property is damaged by the storm. Have an Evacuation Plan...
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Danahy and Murray selected to the 2018 Florida Super Lawyers list of Top Rated Insurance Coverage Attorneys

PRESS RELEASE June 13, 2018 Matt Danahy & David Murray, founding partners of Danahy & Murray, P.A., have again been selected to the 2018 Florida Super Lawyers list, “Top Rated Insurance Coverage Attorneys”. This is the eleventh and fifth time, respectively, that Matt and Dave have been recognized by Super Lawyers. No more than five percent of lawyers in Florida are selected by Super Lawyers. Super Lawyers, part of Thomson Reuters, is a rating service of outstanding lawyers from more than...
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I filed my Hurricane Irma claim…now what?

The Florida Office of Insurance Regulation reports that as of January 5, 2018, approximately 83% of Hurricane Irma claims have been “closed.” However, just because the insurance company closed its file does not mean that you have been made whole for your loss. Many Florida homeowners still haven’t been paid for all of their covered damages, or worse, their claims have been improperly denied. Of course, the first step is to report your claim as soon as you observe or suspect...
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How does my hurricane insurance deductible work?

Your insurance policy has a “deductible” that you are responsible for when your home or business suffers a covered loss. Depending on your Policy and the type of loss, the deductible will be a fixed amount or a percentage of the coverage limits (e.g. $1,000 or 5%). The purpose of the deductible is so that you share in the loss. For example, let’s say your home sustains damages of $30,000 from a broken pipe. If your deductible is $5,000, the...
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What is “Debris Removal” coverage?

Most insurance policies have an “additional coverage” known as debris removal for amounts you incur to remove damaged property. If your home is damaged by a covered fire loss, and your insurance policy provides debris removal coverage, the insurance company must pay the cost you incur for removal of the burned remains of your home. Similarly, if your home is damaged by a covered water loss, the insurance company must pay the cost you incur to remove and dispose of...
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Why Talk About My Hurricane Irma Claim Now

As we put Hurricane Irma in our rearview mirror, Florida must move forward by dealing with the harsh reality of the storm’s aftermath. For those with storm-related damages, this requires filing claims with their property insurance carriers. But when insureds do make a claim, they are often advised not to seek out attorneys or public adjusters to assist them with their claim. The faulty reason given is often that hiring an attorney or public adjuster to assist them will delay...
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