If you live in a hurricane-prone area, there are high chances that you’ll experience massive damage. There are instances where your insurance will cover costs and somewhere they won’t. If you have much expensive stuff or sentimental value items, you shouldn’t risk your belongings.
To ensure that you minimize the risk of loss, you should hire alawyer. They will guide you through the whole process of getting your claims. Besides, hiring a lawyer may not be as costly as you may believe, and it’ll come with added benefits.
Does insurance cover your Hurricane Damage?
This is an excellent question to consider if you live in hurricane-prone areas. The answer to this question is not straightforward. There’s a lot that depends on different factors. Typically, insurance policies don’t pay for natural disasters classified as “acts of God.” An excellent example of such a disaster is flooding. On the other hand, insurance policies will cover wind damage.
If you’d like to know what exactly is covered on your insurance policy, make sure you read the entire document. When you make your insurance claim, the insurance company will determine whether floods or winds cause damage. In most cases, insurance companies’ revenue plan relies on receiving high premiums and giving out low payouts, so it is likely that they’ll tell you your damage is caused by a flood that isn’t covered. However, this shouldn’t be a reason for you not to keep pushing.
If you hire a reasonable attorney that has sufficient experience working with insurance companies, they will be able to fight for you. An excellent attorney will know the exact words to use to get your claim paid. They also know the same tricks that insurance agencies use to avoid paying insurance claims by declaring them not covered in the policy.
If you feel like you cannot handle the claim properly, it’s essential to hire an attorney before considering approaching the insurance agency.
What To Do If You Disagree With The Insurance Company’s Offer For Settlement.
If you decided to chase your insurance claims, you might find yourself between a rock if the insurance company’s settlement offer isn’t suitable for you. If you feel disadvantaged in any way, don’t accept the offer. In most cases, the initial offer is shallow.
However, nothing is written in stone yet, and there’s room for negotiation. You don’t have to agree to use the contractors they recommend or accept their low offer. One of the actions you can take in such a situation is to request that a third party appraise your claim.
If you aren’t sure about the mediation or negotiation process, you should hire an attorney who’s experienced in dealing with such matters to advise you on your rights as pertains to such matters.
Even if you are concerned about the financial implications of hiring a lawyer, it’s best to be safe than sorry. You have the option of hiring a lawyer on contingency, so you won’t have to pay them if they don’t win your case. Also, there’s a chance that you’ll get enough from your insurance company to cover your legal fees.