You May Need to File Multiple Insurance ClaimsAs a result of the extensive damage that hurricanes can cause, you may need to file multiple claims for the following:
- Flood and water damage
- Storm damage
- Residential damage
- Vehicle damage
Insurance Companies May Try to Lowball YouInsurance companies and their strategies are the most significant barrier to receiving reimbursement. We are familiar with the issues that emerge during the claims process. Here are a few of the most common ones:
1. Denying ClaimsMany insurance contracts include a slew of limits and exclusions that can be difficult to understand. Insurance firms may try to discover ways to refuse all or part of policyholders' claims to protect their bottom line.
2. Delaying ClaimsUnnecessary delays are one of the most prevalent concerns we notice, preventing you from settling your claim. More specifically, insurance companies may:
- Request additional paperwork over and over again without much clarity on what they're trying to do
- Not reply to calls or emails from you
- Not arrange an inspection as soon as possible
- Assign adjusters who spend little time assessing your home and may overlook damaged items
3. Underpaying ClaimsDuring hurricane season, insurance companies are known for underpaying claims. Unfortunately, many property owners accept their insurer's initial offer too quickly because they feel they need to have money immediately. They only realize they've made a mistake when they discover the provided money isn't enough to fix their house or business adequately. There are various examples of how underpaying claims might look, including:
- A minimal amount of repair:Instead of fully fixing any damage, insurance companies prefer that the homeowner patch it up. For instance, instead of replacing your flooring, they may only agree to repair a portion of it. In reality, you must restore your property rather than settling for a patched-up, mismatched floor.
- Unrepaired items:Insurance companies may overlook various broken things during their inspections. They may exploit it to their advantage if homeowners don't fight back.
- Pricing issues: During a hurricane season, the cost of materials, labor, and other necessities that influence the cost of reconstruction generally soar. However, insurance firms often base their pricing models that are irrelevant to the circumstances on the ground, resulting in payments that don't represent real-world prices.
How an Orlando Hurricane Damage Lawyer with Dolman Law Group Can HelpIt's natural to feel frustrated and overwhelmed while dealing with insurance claims. With the help of an Orlando injury lawyer from Dolman Law Group, you can have somebody who can do various tasks for you, such as:
- Gathering evidence of the damage
- Assisting you in navigating your insurance policy and identifying all relevant coverages
- Reviewing your claim, hiring specialists to evaluate your losses accurately, and fighting for the reimbursement you deserve
- Helping you file an appeal if the insurance company denied your initial claim
- Fighting for you in court if the insurance company refuses to provide you with reasonable compensation
What to Do Immediately When a Hurricane StrikesHurricanes may cause structural damage, mildew, and other issues that render your home unusable, so you'll want to make sure you obtain the money you need as soon as possible. Home and business owners should take the following steps to guarantee that this happens:
- Obtain as much proof as possible of all damages, including photographs of the damage as well as receipts and invoices if you need to pay out-of-pocket expenses.
- Make a detailed note of the items that have been damaged.
- Keep track of all of your extra living costs due to the hurricane.
- Keep track of your correspondence with the insurance company.
- Consider calling your free consultation with Dolman Law Group.
- We can document your hurricane-related damages and establish a compelling case to show your costs and losses to the insurance company.
- We complete documents, file your claims, and fight for a fair settlement every time.
- If the insurance company refuses, we can sue them to get more significant compensation based on your policy's coverage.