If you are reading this blog, you are probably trying to figure out how to navigate the complicated world of a wind damage insurance claim caused by Hurricane Irene. The insurance claim attorneys at Voss Law Firm deal with these sorts of issues on a daily basis, and we know the types of tactics insurance companies use to try and deny a claim that should rightfully be paid.
If you are like most homeowners, you don't really think about your insurance policy until you need it. The best thing for you to do at this point, then, is to read through the paper policy you were given at the time of signing, or view a copy online if your company offers that service.
Know Your Deductibles & LimitsLook at what your deductibles are, and the limits on what the insurance company is willing to pay. If the wind from the storm caused damage to your car, it's a good idea to look at the deductible and limits of your auto insurance policy as well, since filing the claim under your auto policy instead of your homeowner's insurance might be cheaper.
Knowing your deductibles and limits will help arm you with the information you will need to negotiate with the insurance company. Taking photos and an inventory of the damage and what you believe your belongings are worth will also help.
If Your Hurricane Irene Claim is DeniedIf your insurance company is denying your claim, even though it is under the policy limits and you are willing to pay the deductible, it is smart to hire an attorney to deal with the insurance company for you.
The lawyers at the Voss Law Firm will sit down with you, assess the damage, and give you options during your free consultation. They will also provide you with a free copy of their book, Disputes With Your Insurance Company - What All Consumers Need to Know. Call them immediately at 866.276.6179 so they can help you rebuild your life after the storm.