While most people look forward to summer’s sunshine and outdoor recreation, residents of hurricane-prone areas may feel differently.
For these people, summer can bring anxiety over potential storms.
When homeowners have suffered the destructive power of a hurricane, this fear is entirely understandable. What’s more, homeowners often face an uphill battle getting insurance compensation for storm damage.
If you experienced storm damage and have not received fair payment from your insurance company, you may need a hurricane lawyer.
We have offices in New Orleans and Houston so we have plenty of experience with storm and wind damage insurance claims.
If you want to learn more about storm damage insurance claims, keep reading.
In 2017, Hurricanes Harvey, Irma and Maria caused billions of dollars worth of damage across the United States. Homes and businesses were destroyed as a result of hurricane-force winds, debris, and flooding.
If you are a homeowner or business owner affected by Hurricane Laura or one of the vicious hurricanes above, you’ve probably already made a claim with your insurance company.
The insurance company should have provided you with a decision on your damage claim.
You should review their decision carefully and check to see if you were fully compensated for your damages.
Are you able to make repairs?
Did your insurance company deny or underpay any portion of your claim?
If your home or business was damaged, we understand you’ve already been through a lot. We can help.
Our Louisiana and Texas insurance claim attorneys have years of experience handling weather-related insurance claims.
We understand that dealing with your insurance company can be complicated, stressful, and sometimes intimidating if you don’t know your rights and you don’t fully understand your insurance policy.
If your insurance company has not fully compensated you for your damages, please contact us today for a free case evaluation.
We will review your claim to see if you were fully compensated for all potential areas of damage, including, but not limited to:
- Roof damage, broken windows, and leaks.
- Loss of contents (vehicles, furniture, electronics, air conditioning, etc.)
- Alternative living expenses (ALE) while the home is repaired or replaced; and
- Structural damage.
Getting Legal Help is the First Step
If your home or business suffered serious damage due to a hurricane, you’ve already been through enough!
You shouldn’t have to fight with your insurance company in order to be paid the money you’re rightfully owed under your policy.
At The BFH Law Group, our storm and wind damage claim lawyers will take on your burden and make your problem our own. We will work to resolve your claim quickly, and we don’t get paid a dime until we recover money for you.
Contact us today to schedule your free consultation.
What Types of Damage Does Wind Cause?
Tropical storms and hurricanes bring high-velocity winds that can cause significant damage to a home.
Winds can blow out windows and roofs, knock trees and power lines into your home, and topple fences.
Combined with the torrential rain and flying debris common in severe storms, strong winds can destroy a house.
What Should You Do If You Experience Wind Damage?
When you expect a tropical storm or hurricane, you should first protect yourself and your family.
Whether that means staying home or evacuating depends on the storm and your location.
After the storm hits, inspect the damage as soon as it is safe for you to do so.
Here are several things you should do to increase your chances of filing a successful wind damage claim:
- Take photos of storm damage;
- Write down what you experienced and the damage observed;
- File a claim with your insurance company;
- Prevent further damage by making temporary repairs, such as putting a tarp on roof holes;
- Don’t throw away damaged materials until the insurance company inspects them;
- Get an independent assessment of windstorm damage;
- Save receipts from any repairs; and
- Keep records of all communications with the insurance company.
Completing these steps assures an insurance company of the validity of wind damage claims as well as your actions to prevent further damage.
This documentation also provides key evidence for a hurricane attorney if you decide to challenge an insurance company’s denial of your claim.
Is Wind Damage Covered?
Most homeowners’ insurance policies cover wind damage.
However, policies usually include lots of fine print, including ambiguously worded exclusions.
Insurance companies face massive payouts during hurricane Laura and other serious weather events, and they try to protect their profits by excluding many wind damage claims.
However, if an insurance company has unfairly denied a wind damage claim, a hurricane attorney can help you challenge that decision.
Do You Need a Hurricane Attorney?
After you have documented wind damage and filed a timely claim, an insurance company might wrongfully withhold payment.
If an insurance company unfairly denies your claim, then you should challenge that decision.
While you can face off with your insurance company alone, it is helpful to obtain the assistance of a hurricane attorney.
At The BFH Law Group, our hurricane insurance lawyers have helped hundreds of clients who have been wrongfully denied by insurance companies.
We seek to maximize our clients’ insurance recovery while providing personalized attention during a stressful time.
If you would like to speak to one of our hurricane attorneys, please contact us for a free consultation.
We will review your case, answer your questions, and offer you an informed opinion on your legal options.