Homeowners and business owners pay premiums for property damage insurance in the event of structural damage resulting from fire, water, smoke, lightning, flood or wind storms. When a hurricane, windstorm, fire, or water leak or damage occurs, many people think that their trusted insurance company will take care of them. Often, however, insurance companies try to avoid paying benefits out to their policy holders, focusing on protecting their bottom line instead of their insureds. Insurance companies often deny claims from property owners who do not have a Miami hurricane property damage lawyer for a variety of reasons, including non-disclosure, failure to follow policy requirements, loss outside the scope of coverage, or cancellation of policy. Some even go so far as to accuse property owners of fraud!