Suffering hurricane damage to your home or business is nothing short of devastating to your entire life. Getting caught in red tape while trying to get your insurance claim settled can only worsen your stress. If you’re facing problems filing a claim for insurance after a hurricane strikes, contact the hurricane insurance claims lawyers on the Disaster Insurance Claims team at Long & Long. We’ll fight to seek the money you deserve to rebuild.
Fighting for the Money You Need
We’re dedicated to fighting for the money you need to rebuild and get your life back.
Free Policy Review
There’s no charge for us to review your policy. Just give us a call and we’ll get started immediately!
We Understand Your Pain
At Disaster Insurance Claims, it’s our mission to help people who have suffered disasters. That means we’ve seen a lot of people who have suffered serious losses from hurricanes and other disasters. In fact, we’ve personally helped individuals recover their losses from devastating hurricanes including Katrina, Ivan, Gustav, Sandy, Maria, Harvey, and Michael. We’ve seen first hand how these natural disasters can turn someone’s entire life upside down, and we understand how traumatic losing a home to a hurricane can be. We are ready to step up to the plate to help you fight for the money you need to rebuild and try to get back to some kind of normal.
Our hurricane damage lawyers are highly experienced in dealing with insurance companies that try to lowball you or get away with not paying a claim you deserve. Whether they’re relying on the small print on your policy or trying to claim that your damage isn’t as bad as it is, we’re here to help you fight to get the claim settlement you need.
We’ve Collected Millions for Policyholders
We’ve helped our clients secure millions in settlements from insurance companies that wanted to withhold what was rightfully due. With our in-depth knowledge of the insurance industry, we’re prepared to help you with your hurricane damage insurance claim.
Do I Have a Case?
If you have insurance coverage and have suffered losses from a hurricane, you may deserve to be compensated for the damages. Insurance companies deny claims for many reasons, but some denials can be prevented.
- Structural damage
- Mold growth
- Roof damage
- Broken glass
- Tree breakage
- Totaled or damaged car
- Electrical and plumbing damage
- Uninhabitable house or business
- Loss of precious memories you can’t get back.
Don’t Trust Your Claims Adjuster
An insurance claims adjuster has one job, and that’s to get away with offering as little as possible to settle a claim. They might act like your friend, but they’re not. A hurricane property damage lawyer can be the ally you need to fight back and present a detailed assessment of the damages you’ve suffered. If they won’t pay up, we’ll take it as far as we have to, even filing a lawsuit to force them to pay if necessary.
Steps To Take After a Serious Storm
Document the damage in as much detail as possible. The more photos you take, the easier it will be to prove your case. Showcase the worst damage, but also don’t forget minor damage.
Get familiar with your insurance policy and make sure you are covered for hurricane damage and aren’t subject to underinsurance penalties. Your hurricane insurance claims lawyer can help with this process.
Wait until after work on your insurance claims case has begun before you submit a contractor bid for the damage.
How Can a Lawyer Help?
Seeking fair compensation from your insurance company is an undeniably stressful burden that you shouldn’t have to take on while you’re trying to get your life back to normal after a storm. The right hurricane insurance claims lawyer will take that burden off of your shoulders and fight to get you the compensation you deserve. Your Disaster Insurance Claims attorney will build the strongest case possible to challenge any unfair denial of your claim. We know how to navigate the complex legal issues surrounding insurance claims, and will fight for your rights.
Our attorneys know what you are going through because our leading attorney and founder, Attorney Bennett Long, experienced property loss to a hurricane himself. Our team can be your ally in your fight to get the settlement you deserve. Nobody expects to be devastated by a hurricane, but when it happens, you need someone who can give you the information, guidance, and help you need to get your life back. That’s why our Disaster Insurance Claims team will put their experience to work to give you your best chance at the maximum settlement you deserve.
Hurricane Insurance FAQ
Understanding your insurance policy is the first step in getting the settlement you deserve. Some insurance policies have exemptions for things like hurricane damage, while others have complex language that attempts to exempt anything that isn’t expressly allowed. Because policies can be so complicated, it’s always best to have a lawyer for hurricane insurance claims examine your policy to see what we can do for the next step.
There are a lot of reasons why a hurricane insurance claim is denied. The most common is lack of coverage on a property — that is, the insurance company claims that your policy doesn’t cover hurricane damage. If this happens to you, it may not be the end of the road. A hurricane attorney can look over your policy and see if there’s a way to challenge the denial. Our Disaster Insurance Claims team at Long & Long Attorneys At Law is ready to fight for your rights every step of the way.
There’s no easy way to answer this. In some cases, the denial is clearly biased and unfair, and we can usually challenge those claims quickly. In others, it may require intense negotiations or even going to court to battle against the insurance company. This can take significantly longer. Rest assured, though, that your hurricane damage lawyer will fight for your rights every step of the way and will always keep you informed of any updates to your claim.
You won’t have to pay a thing for us to review your hurricane insurance claim. In fact, you won’t owe a thing if we don’t recover the money from the insurance company for your claim.
Steps to Take if You’ve Suffered Hurricane Damage
Take the following steps to be sure that your hurricane damage claim is properly handled and to help your hurricane property damage lawyer fight for you if necessary.
Document the Damage
Take photographs and detailed notes covering the damage from any angle possible.
Don't Submit Contractor Bids
Contractors are notorious for inflating their costs after work starts, so if your claim is based on a bid, you could be out in the cold.
Watch Out for Underinsurance Penalties
You could end up receiving a drastically lower settlement than you need due to insurance company penalties.
Call an Experienced Attorney Right Away
It's likely your insurance adjuster will bring in an attorney, which could involve duplicate fees for you. A hurricane damage attorney can keep the focus on what you've suffered.
Common Reasons Insurance Companies Deny Hurricane Claims
If the damage you’ve suffered falls under an implied or expressed exclusion in your policy, the adjuster might refuse to pay. For example, the adjuster might claim that your damage is due to water, and you don’t have flood insurance.
The insurance company might claim that your damages don’t cost nearly as much to fix as you claim they do, and therefore deny your claim.
The insurance company might claim that the damages to your property largely involve cleanup, which falls under incidentals that aren’t covered under your policy.
All too often, and most frustrating of all, the insurance company may deny part or all of your claim with no explanation whatsoever. In these cases, your hurricane insurance recovery attorney can force the company to explain itself.
Never Trust an Insurance Adjuster
Insurance adjusters are not your friend! They’ll try to trick or even bully you into accepting lowball offers, or they might deny you outright. Let our team of hurricane insurance claims lawyers review your policy and fight for your rights.