Hurricane Damage Insurance Claims

Hurricanes are one of the most devastating natural disasters that can hit Texas. They bring about massive destruction to both property and lives, leaving many people with damaged property. If you live in an area prone to hurricanes, it’s essential to know how to file a hurricane damage claim to ensure you get the help you need to get back on your feet.

Hurricane Damage Claims in Texas

A hurricane damage claim is a request for compensation from an insurance company for damage caused by a hurricane. If you live in Houston, you should have a hurricane insurance policy that covers damages caused by wind, rain, and flooding.

Before the Storm Checklist

An experienced hurricane damage attorney is critical for obtaining financial compensation after the storm clears. The insurance claims attorneys at MMA Law Firm have prepared the tips below to help prepare you for the storm.

  • Document your belongings for the best chance of recovering lost expenses for personal property, the contents of your home, and other items. Consider keeping receipts or appraising valuable or high-dollar items (furniture, appliances, electronics, jewelry, antiques, artwork, decks, etc.)
  • Take quality photographs of your property (interior and exterior of home, front and back yard, roof, pool, fencing, trees, etc.) If you cannot take photographs before the storm, find the most recent photos of your property.
  • Review your hurricane deductible; expect it to be significantly higher than a regular deductible.
  • Review coverage regarding flooding, mold, water damage, debris removal, law and ordinance, and various living expenses.
  • Store important documents in a waterproof container in a safe place.

After the Storm Checklist

Hurricanes can cause extensive damage to homes and businesses. After the storm has passed, it’s important to assess the damage and begin the recovery process. To help you get started, here is a checklist of what to do after hurricane damage.

  • The first step in filing a claim is to report the damage to your insurance company immediately. Provide as much information about the damage as possible, including photos and a list of damaged items.
  • The next step is to document the damage. This includes taking photos of the damage, documenting the extent of the damage, and making a list of damaged items. You should also keep all receipts for any repairs or replacements you make.
  • After you have reported and documented the damage, you will need to meet with an insurance adjuster. The adjuster will assess the damage and determine the amount of compensation you are entitled to. It’s important to be honest with the adjuster and provide them with all the necessary information to make an accurate assessment.
  • Once the assessment is complete, the insurance company will send you a settlement offer. If you agree to the settlement offer, you will receive a check for the amount of compensation. If you disagree with the settlement offer, you can negotiate with the insurance company or hire an attorney to help you with the process.

What to Do if Your Hurricane Damage Insurance Claim is Denied

Having your hurricane damage claim denied by your insurance company can be a frustrating and overwhelming experience. However, there are steps that you can take to appeal the decision and potentially get the compensation you deserve.

Firstly, review your policy and make sure you understand the reasons for the denial. Once you have a better understanding of why your claim was denied, you can gather additional evidence and information to support your case. An attorney who specializes in hurricane insurance claims can help you with the process. They will review your policy, gather evidence, and represent you in negotiations with the insurance company.

It’s also important to keep detailed records of all interactions with them. Remember to remain persistent and don’t give up on your claim, as you may still have options for getting the compensation you are entitled to.

Contact A Hurricane Damage Attorney at MMA Law Firm in Houston, Texas

Hurricanes can cause massive damage, but with the right insurance policy and knowledge of the claims process, you can recover from the damage caused by these storms. Remember to report the damage as soon as possible, document the damage, and meet with an experienced insurance claims attorney to ensure you receive fair compensation for your losses.

As professionals who help policyholders understand their rights and recover from their losses, the Houston insurance lawyers  at MMA Law Firm are well-positioned to assist clients with hurricane insurance claims.

Contact us today.