Has your property experienced damage from Hurricane Ian or another recent tropical storm? If so, you may be daunted by the insurance claims process.
Our team at The Leach Firm is ready to help you navigate hurricane property damage claims and receive the compensation necessary to move forward. Contact us today to schedule your free case evaluation.
Types of Hurricane Damage
Hurricanes can bring severe winds and rain that leave extensive damage in their wake. The four main types of damage from hurricanes include the following:
- Wind damage: Damage from winds traveling upwards of 150 mph
- Storm surge: Damage from the abnormal rise of water created by a hurricane
- Flooding: Damage from extensive rain and water entering homes
- Tornadoes: Damage from the tornadoes that often accompany severe hurricanes
Hurricanes can damage a home’s interior and exterior. Homes in the paths of hurricanes often experience:
- Roof damage
- Water damage
- Structural damage
- Loss of personal items
Does Homeowners Insurance Cover Hurricane Property Damage?
Homeowners insurance policies often cover some but not all damage caused by hurricanes. For example, most homeowners insurance policies cover wind damage. However, you may need a separate policy to cover water damage.
Flood insurance is a type of insurance policy that can pay to repair flood damage in your home. Typically, you must have this separate policy to receive water damage coverage from your insurance company.
Many Florida and Georgia insurance companies recommend flood insurance policies for homeowners, as these areas are prone to tropical storms and hurricanes. However, if you did not have a flood insurance policy before your home experienced hurricane damage, you may have trouble receiving coverage for water damage.
Filing Hurricane Property Damage Claims
Your homeowners insurance should cover at least some repairs from your hurricane damage. Here are the steps you can follow to file hurricane property damage claims:
- Contact your insurance company as soon as possible.
- Provide information and evidence about your damage.
- Meet with an adjuster from your company to evaluate the damage to your home.
- Receive an offer from your insurance company.
Some insurance companies offer to cover temporary repairs after major structural damage to make your home livable before fully repairing the problems. Your attorney can help you navigate the claims process to improve your outcomes.
What Happens If the Insurance Company Denies Your Claim?
Unfortunately, many hurricane victims submit insurance claims only to find that their insurance companies have denied their claims. Sometimes claim denials are warranted, such as if the policy does not cover the hurricane damage. However, other times, insurance companies deny claims to boost their profits.
If your insurance company has unreasonably denied your hurricane claim, contact our attorney team as soon as possible. We can evaluate your insurance policy and determine whether your company had grounds to deny your claim. If it did not, we can help you begin a bad-faith lawsuit.
Contact Our Georgia and Florida Attorneys Today
Our attorneys at The Leach Firm are prepared to help you fight for insurance compensation for your hurricane damage. Contact us today at 844-722-7567 to learn more about hurricane property damage claims and schedule a free case evaluation.