Those who’ve experienced a hurricane before know just how devastating this kind of natural disaster can be. To protect themselves against the financial impact of such an event, they usually buy insurance. Sadly, even if they pay their premiums religiously, they can still end up in the lurch when their insurance company refuses to pay their claim due to a minor technicality or plain and simple bad faith. This is why those who want to file a hurricane-related claim should hire a lawyer to ensure that they receive what is only right for them.
Hurricane-Related Insurance Cover
Homeowner’s insurance usually covers wind but not flooding. That means the insurer may pay for roof or siding replacement, but not for water damage restoration inside the home. As well, there is a particular deductible for damages due to hurricanes, and this is a preset percentage of the total amount of the policy. This deductible must be met first before the insurer starts paying for any damage. With homeowner’s insurance policies not covering flooding, claims adjusters normally assert that the hurricane damage was because of flooding instead of the wind. This is one of the most crucial situations where a legal expert can intervene and guard the rights of the insured.
Insurer Tactics to Evade Coverage
Another challenge faced by hurricane victims when making insurance claims is the large volume of other victims doing the same, all at once. This leads to processing delays, unless the claimant has a lawyer fighting for the insurer’s attention. On top of that, insurers are also quite known for making false statements or even declining legitimate claims outright.
Here are other bad faith actions common with insurers that homeowners should keep an eye out for:
> Providing undervalued estimates
> Pressuring the insured to settle a claim under another policy
> Advising the homeowner to avoid using a lawyer to resolve their claim
> Demanding a written release of supplemental claims as a condition for settlement or payment
It can be extremely frustrating to face any of these issues when making a hurricane-related insurance claim. Home repairs have to begin as soon as possible, but insurers can make it very hard for homeowners to do so. Working with a lawyer can be the most important move a homeowner can make to solve this problem.
If you find yourself in a dispute with your insurance company over hurricane-related damages to your home, consider seeking the services of a lawyer. In fact, this could be the best way to make sure that your policy will provide its promised protection.