Filing A Homeowner’s Claim After A Hurricane Or Windstorm

A homeowner’s insurance claim after a hurricane or windstorm can indicate:

• Roof damage
• Drywall and insulation damage
• Damage to a foundation
• Interruption of electrical power
• Water damage and resulting mold damage
• Loss of or damage to furnishings
• Damage to or loss of clothing and other contents
• Loss of use and other claims

Flooding and water damage from tropical storms can add to an already bad situation. Take the time to talk to a lawyer who fully understands your situation and wants to help.

Many people who experience losses because of flooding in a serious storm are not covered due to the language of their insurance policy. And most people fail to carry flood insurance because they think their existing policy will cover the damage. But they find out too late that they’re wrong.

You need your insurance company to be there for you! If the actions of your insurer are delaying or otherwise causing problems with your insurance claim, Wells Law Group, P.A., can help.

If Your Insurer …

• Delays the adjustment of your claim
• Denies that coverage exists
• Makes misleading or false statements
• Avoids your phone calls
• Undervalues the claim

You may have a bad faith claim against your insurer. But keep in mind, not all denied claims are instances of bad faith, and not every bad faith claim leads to punitive damages. Contact our firm to learn more.

Homeowners filing for hurricane insurance need to take care — Attorney Kim Wells can help!

Water-Related Claims Can Create Issues

The filing of hurricane claims is not easy, because some damage to your home, business or property can be water-related while other damage is wind-related. Flood claims have very technical filing requirements and can be difficult to resolve.

When your property has damages stemming from both water and wind, your homeowner’s or business owner’s insurer may claim that all damage is flood-related. Because property insurance usually doesn’t cover flood damage, it is important to make sure you have obtained appropriate insurance coverage BEFORE you have a need. But if you do not have flood coverage, it does not mean that your damages are not covered losses.

The language of an insurance policy can be difficult to understand. Just because your insurer says the water damage to your home is flood-related does not mean it is so or that you have no or limited coverage for your loss.

Insurance Companies Are Not Always Right

Insurance companies have dozens of attorneys on staff to help minimize the amount you are paid for your claim. By hiring Wells Law Group, P.A., you are no longer an individual against an adjuster and multiple levels of claims professionals along with a bunch of lawyers paid specifically to devise a way to pay you as little as possible.

Wells Law Group, P.A., Can Help

We assist in every stage of the insurance claim process, including preparation, documentation of events and damage through litigation or appraisal, until the final settlement, appraisal award or judgment. We help our clients review their insurance policies to maximize coverage, use appropriate experts to assist us in coordinating and conducting inspections, testing and data compilation, and assist in the submission of our clients’ claims.

A qualified attorney with Wells Law Group, P.A., can go over your homeowner’s policy with you and assist you in understanding your rights. Contact our Tampa law office for a free initial evaluation. Call 813-413-7377 or send us an email.