We live in a beautiful world, but sometimes it seems like our planet turns against us in the form of natural disasters such as Hurricane Dorian. The indigenes of Florida are no strangers to natural disasters, especially hurricanes. Hurricanes have come and gone, leaving disaster in their wake. Homeowners are left to pick up the pieces and rebuild from what is left. If you live in an area where the chances of experiencing a natural disaster are high, the best thing you can do for your property is to have it insured and have a property insurance claims lawyer on hand.
But sometimes, you may not be paid what you are owed, either due to your insurer acting in bad faith or you misrepresenting the damages incurred. This is where property damage or hurricane lawyer comes in handy.
Here at The Injury Firm, we are adept at handling cases that have to do with property insurance claims. Don’t fall victim to cunning insurers, hire a reputable and trustworthy property insurance claims lawyer who will do right by you in getting the compensation you deserve. Lost some property to Hurricane Dorian? So long as your property is insured, our dedicated hurricane lawyers are at your service. In the event of a hurricane, you will need all the help you can get, especially financially. That’s what we are here for. Call us today: 954-951-0000.
COMMON TYPES OF HURRICANE DAMAGE
Hurricanes are synonymous with strong winds and heavy rainfall. Winds strong enough to uproot trees and rain heavy enough to cause massive flooding. So, most of the damages associated with hurricanes are wind and flood-related. The amount of damage is dependent on the hurricane’s wind speed. To this effect, hurricanes have been grouped into categories. Category 1 hurricanes have wind speeds up to 74mph and can do some light damage. Category 2 hurricanes get to wind speeds of about 96mph and can cause major roof and power line damage. Category 3 hurricanes are those with winds speeds above 111mph and can easily uproot deep-rooted trees. Category 4 hurricanes have wind speeds of about 131mph or more. Roofs are completely blown off and walls collapse. Category 5 hurricanes exceed 155mph, catastrophic damage occurs. Most buildings will experience significant damage and will most likely collapse.
The floods are also another force to be reckoned with. Vehicles are destroyed and small buildings are swept away.
WHAT TO DO IN THE EVENT OF A HURRICANE
In order to get full compensation and make things not so tough for your property damage lawyer, there are some steps one must take after the hurricane is over.
First, protect your property from further damage. You are advised to guard your property against further damage in any way possible. A good idea is to cover them up so that water or other hazards don’t damage them more. If your insurance company can prove that your property was damaged more after the storm, they can easily refute your insurance claims. Your property insurance claims lawyer will face an uphill task.
Secondly, take a detailed record of everything. You are expected to take photographs of your yard, the four sides of your house, your roof, individual rooms and then individual items. These photographs will go a long way in supporting your claim. Also, keep an inventory of all damaged items.
Lastly, you can now file your insurance claim. File your claim as quickly as possible. The quicker you do so the higher your chances of getting a prompt response or a response at all. Especially in event of a hurricane where there are a lot of people clamoring for the attention of the insurance houses. If you are unsure of how to go about this, you should hire a property damage or hurricane lawyer to help you file your claim. Any mistakes on your part will be capitalized upon by the insurance company and can serve as grounds for denying your claim. So, get an attorney.
BE SMART, YOUR INSURER MIGHT NOT WANT TO PAY
Insurance companies run a business just like every other business out there. From the perspective of an insurance company, the occurrence of a hurricane is bad for business. A lot of people are affected at the same time and they are all filing insurance claims, trying to access funds to begin repairs. The paperwork can quickly pile up and affect the insurer’s ability to carry out their job. At times like this, insurance companies may try to employ certain cunning tactics so they don’t have to pay for damages. You will need to have a property insurance claims lawyer by your side fighting for you and protecting you from any tricks the insurer may employ. Here are a few of their tactics.
- Outrightly denying that you have any insurance coverage whatsoever.
- Delaying the processing of your claim.
- Refusing to pay you under a particular coverage policy and tries to strong-arm you into settling under another coverage.
- Telling you that hiring a lawyer isn’t necessary for resolving your claim.
- Trying to pay you less than what you are owed by coming up with undervalued estimates.
In the event of a hurricane, what does my homeowner’s insurance cover?
Damages as a result of winds are covered but damages resulting from floods are another ball game. Although the law varies in different states, more often than not, you are required to get flood insurance separately.
What happens if my home is completely destroyed and I have nowhere to stay?
There is usually a provision in most homeowners’ insurance policies for living expenses in the event that the insured’s house becomes uninhabitable. Living expenses like rent for a place to stay and food are covered.
Can I buy flood insurance shortly before a hurricane?
No. Insurance companies are aware that most people would want to take out a flood insurance policy when flooding is expected, especially during hurricanes. So they usually have a policy that states that flooding insurance only takes effect 30 days after purchase.
If your home was affected by a hurricane or your insurer doesn’t want to pay you what you are owed, having legal aid will help you get compensated much quicker, so you can start rebuilding your house and put the hurricane incident behind you. The Injury Firm is your best bet, we don’t want the pain of losing your home to linger on longer than it has to. We can be your reliable hurricane, property damage, and property insurance claim lawyer. Call us today: 954-951-0000.