When wind damage strikes a condominium complex, there could be damage to individual units as well as to common areas. For example, the winds could be so strong that they knock over gates and signs to the complex, or even cause trees to fall over, which could lead to roof damage to individual units, property damage to vehicles or even personal injuries. Strong winds can cause serious damage, tear shingles off the roof, and even tear buildings apart.
Windstorm Coverage with Condo Insurance Policies
Just because you pay dues to your condo association for insurance doesn't mean that your individual condo unit may be covered against windstorm damage. Before a natural disaster occurs, you should read the master condo insurance policy to determine if damage from winds is covered for your individual unit. Even if it is, it may only provide some coverage, and it is wise to get your own individual condo policy for ultimate protection for your personal belongings.
Some condo association insurance policies cover wind damage; however, most of the time each individual condo owner needs to purchase a separate condo insurance policy that covers damage from windstorms. If your condominium is located in one of Texas's 14 coastal counties, or in an area that typically has strong winds like the Gulf Coast, your condo insurance policy most likely excludes wind and hail damage. Read your insurance policy to confirm, and if you do not have coverage for wind-related damages, you can purchase Wind and Hail coverage from the Texas Windstorm Insurance Association (TWIA).
When Disaster Strikes
If you do have Wind and Hail coverage, and your condominium was damaged due to a strong windstorm, the last thing you will want to do is fight for your right to your insurance benefits. After all, you have been paying insurance premiums for years, and your insurance company has been happy to collect the money. Now that you need them to pay for damages, you are finding that you have to fight your insurance company for your own benefits.
Insurance Claim Lawyers Can Help
After a storm strikes, you may be left with many questions and may need help understanding your insurance policy, making claims to the insurance provider, negotiating with the adjustor, or fighting an unfair wind damage claim denial. If your condo homeowner's claims are not being handled properly, you should speak with a Texas insurance claim lawyer. A skilled attorney in this field will be able to review your situation and policy, provide you with your options, fight the insurance company's denial, and help you get the compensation to repair your condominium damage.
If you have been treated unfairly by your insurance company and your condominium wind damage claim has been denied, contact Texas insurance claim attorney Bill Voss today at the Voss Law Firm at 888-614-7730 to schedule a free legal consultation.
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