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What to Do if Your Hurricane Sandy Property Damage Claim Value Comes in Too Low

With estimated damage from Hurricane Sandy somewhere between $20 and $60 billion, insurers are going to do everything they can to pay as little as possible on property damage claims. If your insurer isn’t paying enough on your Hurricane Sandy property damage claim, here’s what you need to do to get them to increase their valuation:

Review Your Policy Limits and Deductibles
Your policy limits and deductibles may dictate how much money you get for your Hurricane Sandy property damage claim. For example, if you have a high deductible, you’ll have to pay a certain amount of cash out of pocket - sometimes in the thousands of dollars. Additionally, if you aren’t getting enough money, your policy could be covering you for actual cash value - not replacement cost - which is typically less because it accounts for depreciation.

Get a Detailed Breakdown on Costs
Ask for a detailed estimate of the insurer’s valuation of your Hurricane Sandy property damage claim. Once the insurer gives you a detailed breakdown - preferably in writing - they can’t change it later. This is great news for you, because if you can successfully refute their valuation, they can’t come up with another reason to underpay you. You win.

File an Appeal with the Insurer
Once you have a detailed breakdown on how they’re estimating the value of your claim, you can use your own documentation - which should include multiple estimates from contractors to repair your home, as well as receipts for any goods damaged in the storm - to file an appeal with the insurer. If you have good documentation, this appeal may get you the claim value you’re looking for. If not, it may be time to take legal action.

Take Legal Action By Hiring A Qualified Hurricane Lawyer
The estimated costs of Hurricane Sandy property damage and flood damage are astronomical. Insurers can and will cut corners wherever they can to pay out as little as possible. If they’re still not paying you what your property damage claim is worth, it’s time to take legal action. The experienced staff at can help you get the settlement you need to make the necessary repairs to your home.

Bill Voss
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Aggressive Texas policyholder attorney that fights hard for his clients and won't stop until he wins
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The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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