Steps to claim insurance damaged by Hurricane Irma.
Overview:
Insurance companies will deny hurricane damage claims even when policy holders have purchased coverage options to cover hurricane damage. Hurricane Irma has caused widespread damage to homes, property, and belongings. The law firm of Lubell Rosen represents individuals with property damage related to the storm. If necessary, our trial attorneys will take carriers to trial to obtain justice on behalf of our clients.
When to contact an attorney
The law firm of Lubell Rosen recommends that individuals consult with a hurricane damage attorney before they report the claim to their insurance carrier or speak with an adjuster. Individuals that have been affected by hurricanes are advised to contact a hurricane damage attorney as soon as possible following a hurricane. An experienced hurricane damage attorney will review the insurance policy at length and advise the policy holder on what hurricane damages should be covered by the policy. Insurance policies often contain traps and legal jargon that are devised to prevent or minimized lawful claims based on procedural technicalities. Additionally, Insurance appraisers conduct initial interviews and assessments in an effort to minimize the company’s liability. Unwary individuals who have not consulted with a hurricane damage attorney may fall victim to these traps and lose benefits they would have been entitled to with proper legal representation.
Clean up of your home
Before cleaning up your home, you should contact a hurricane damage attorney. While it is understandable that individuals may want to begin cleanup and repair efforts as soon as possible following a hurricane, it is not always the best advise. Insurance companies will send assessors to evaluate hurricane damage. Preliminary cleanup may reduce the observable damages and prevent full reimbursement for the policy holder.
Damages Not Covered
Often policies place limitations on coverage. For example, many hurricane insurance policies cover damage that has been caused by hurricane winds, but not damage caused by hurricane flooding. But often the property damaged is caused by both wind and flood. It is therefore critically important that the damages be characterized the correct way. Lubell Rosen properly advises its clients on how to present their claim to get the best recovery possible.
Importance of keeping records
It is critically important to keep records to get the best recovery possible. Taking pictures of the damage and compiling a rudimentary estimate of the damage will be helpful to presenting your claim. Credit card receipts of property damaged and other documentation is also important. Lubell Rosen will assist the policy holder collect all necessary records to obtain the best recovery possible. If the case goes to trial, these records will be necessary to prove your case before a judge or jury.
Lawsuits
If a carrier denies an individual’s claim or offers an insufficient amount to cover the full loss, the individual may sue their insurance company. Lubell Rosen will review the case and give the individual legal advice on the merits of their claim. If the individual elects to sue and Lubell Rosen agrees the case, Lubell Rosen will also seek attorney’s fees from the insurance carrier. The attorneys at Lubell Rosen are Board Certified Trial Attorneys and have 20 years of successful trial verdicts against insurance companies. Please fill up hurricane claim help form and we will get back to you.
Instant Help Hurricane Irma Property Damaged
Call – 833-411-IRMA (4762)