After a hurricane, many homeowners are forced to wait for years to collect payment for their losses, and even when they are able to finally resolve those claims, they find out that it isn’t enough. If you have recently survived a hurricane that damaged your home, you should know that you don’t have to accept a resolution that doesn’t meet your needs, and it is possible to fight unfair insurance company tactics—but you have to act before it’s too late.
Homeowner Claims for Hurricane Damage May Be Underestimated and Underpaid
The direct damage from a hurricane can remove roofs, collapse houses, strip siding, and cause other extensive damages to residential properties. However, many of the damages from a hurricane or severe tropical storm are not visible to the untrained eye, and many of these more subtle damages are left out of loss estimations. For some homeowners, these damages can cause expensive problems years down the road, long after they’ve accepted less for their hurricane claims.
Hurricane Claims for Related Water and Flood Damage Are Often Delayed or Denied
Beyond the direct damage from the storm itself, homeowners also contend with post-hurricane flooding, water damage from heavy rains, and water leaks caused by structural damage in the storm. While it may seem as though these losses should be covered by the same policy that handles their hurricane claims, the truth is that many homeowners get caught in the middle while their flood- and hurricane-insurance carriers point to each other. The water damage that follows a hurricane can sometimes cause more damage than the storm itself, but homeowners frequently run into trouble getting the outcome they need from their insurance companies for these damages.
For more information about getting the most out of an insurance claim for hurricane damages to your home, take a moment today to request your free copy of our book, Your Essential Guide to Residential Claims. Or, to get immediate help with your concerns, give our experienced hurricane insurance claim lawyers a call directly.