Hurricane Damage

Experienced Business Law Attorneys Committed to Helping Consumers Effectively Resolve Storm-Related Insurance Disputes

Hurricanes are powerful and unpredictable, causing damage to homes, vehicles, and personal belongings. Although some claims may be covered by traditional insurance policies, most insurance companies only offer hurricane coverage under extended coverage packages. Unfortunately, insurance companies will sometimes deny claims even where a policyholder has purchased coverage for hurricane related damages. If your hurricane related damage claim is being denied by your insurance carrier, a hurricane damage attorney may be able to help.

At the Neumann Law Group, our hurricane damage lawyers have extensive experience working with homeowners to recover fair compensation for their storm-related losses. We are familiar with all the tricks used by insurance companies to deny or reduce the value of your claim and can help you ensure that you obtain the full benefit of your policy.

What Should You Do After a Hurricane Causes Damage to Your Home or Business?

After a hurricane damages your property, you should contact the insurance company as soon as possible. Working with the insurance company at the beginning of the claims process is likely to increase the chance that your claim is filed properly and minimize the chance of a technical error interfering with your coverage. In most cases, insurance companies will be able to walk policyholders through the process of filing a claim and evaluate what damages are covered under the policy. However, when a conflict arises, seeking legal counsel is very helpful.

Make sure to take numerous pictures of the damage and maintain accurate logs of what happens throughout the claims and repair process. This evidence will prove critically important in receiving proper compensation from the insurance company, particularly if a claim is denied. If a hurricane damage claim has been denied, a hurricane damage attorney may be the best route for resolving the situation. Experienced legal counsel may be able to appeal the decision to deny coverage internally within the insurance company, but if no other option is available, an attorney may also file a lawsuit on your behalf. Unfortunately, going to court is the only way to force the insurance company to comply with the terms of its policy if it will not do so willingly and of its own accord.

How Can a Hurricane Damage Insurance Lawyer Help with My Claim?

An experienced hurricane damage attorney can review your insurance policy and advise you as to precisely what is covered under its terms. Insurance policies are lengthy and complex documents, and having the assistance of an experienced legal counsel can help you avoid certain pitfalls that could result in lost time, effort, and money.

Should You Make Necessary Repairs Before Calling the Insurance Company?

After a hurricane strikes, most of those affected want to begin cleaning up the damage immediately, putting the pieces together in hopes of along with life as soon as possible. Unfortunately, insurance companies typically require an assessor to conduct a full review and issue a report regarding the extent of the damage before providing funds to cover the cost of repairs. And, if a homeowner begins repairs before the arrival of the assessor, the owner may have difficulty obtaining compensation for those repairs.

Hurricane Insurance Policies and Flood Damage

One important caveat to hurricane insurance policies regards flood damage. Many hurricane insurance policies cover damage that has been caused by hurricane winds but not damage caused by hurricane flooding. Where an exclusion for flood damages is made expressly and precisely, the insurance company may not be liable for any of the floodwater damage. However, if the language relied upon is vague, inconclusive, or misleading, experienced counsel may be able to assist a property owner in obtaining coverage.

Speak with an Experienced Hurricane Damage Attorney at the Neumann Law Group to Learn More

If you need an experienced hurricane damage lawyer, contact the experienced attorneys at Neumann Law Group for a free consultation. At the Neumann Law Group, we regularly handle insurance disputes against some of the largest and most well-funded insurance companies in the country. Our firm has the experience, knowledge and resources needed to take up these fights on behalf of homeowners and others impacted by an insurance company’s unwillingness to honor the terms of a policy. To learn more, and to schedule a free consultation today, give the real estate lawyers at the Neumann Law Group a call at 800-525-6386. You can also connect with us through our online contact form.