Hurricane and Storm Claims

Hurricane Claims

At Boggs Law Group, our seasoned insurance attorneys are adept at navigating the complexities of wind and storm damage claims. Dealing with hurricane claims often involves understanding both windstorm and flood coverage, which can quickly become intricate due to various policy details. Our legal experts are skilled in deciphering insurance policies and will advocate on your behalf with your insurance carrier to maximize your benefits.

Your homeowner’s insurance typically includes two distinct elements: a homeowners policy and a flood policy. Hurricanes frequently present multiple types of damage, such as wind and flooding. Identifying the responsible party for each type of damage is crucial in hurricane claims, especially given the specific rules regarding deductibles and their application.

One significant challenge for homeowners during a hurricane is the necessity to evacuate, leaving properties vulnerable to wind damage, water intrusion, and potential mold growth due to lack of electricity. It’s vital to document all damages upon return, before making any temporary repairs.

Insurance companies often have strict limitations on mold coverage, which they may use to minimize payouts. For instance, you might face $50,000 in mold damages and $20,000 in other damages, but with mold coverage capped at $10,000, insurers might only offer the capped amount for mold and $20,000 for other damages. However, you are likely entitled to more, especially if structural elements like drywall were compromised by water, irrespective of subsequent mold growth.

Property owners might find themselves outmaneuvered by insurance company tactics that undervalue claims. It is crucial to contact your insurer promptly to clarify your policy details, including coverage for additional living expenses and claim submission deadlines. Understanding your rights is essential, as flood policies often have stringent and brief deadlines for filing claims and submitting documentation. Missing these deadlines can severely impact your claim.

As your property insurance attorneys, we are committed to clarifying complicated policy language and navigating your insurer’s policy interpretations. We aim to ensure that you meet all policy obligations smoothly and receive the full compensation owed to you, restoring your property to its pre-storm condition.

At Boggs Law Group, we stand ready to protect your rights and secure your property’s future.