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Storm Damage Insurance Claims

A natural disaster like a hurricane or tornado can cause irreversible damage. We’ll deal with the insurance companies so you can get what you need to rebuild.

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Experienced Storm Damage Insurance Claims Attorney

In the aftermath of a natural disaster, the process of recovering and rebuilding can be overwhelming, and dealing with insurance claims can be an added burden. As your Disaster Insurance Claims team, we’ll work with you to ensure you get the settlement you’re owed after your home sustains storm damage from a destructive event like a hurricane or tornado. 

Insurance companies will always withhold as much as they can get away with, but our storm damage insurance claims attorneys will fight them for every penny you deserve on your behalf. Our experienced legal team will work tirelessly to help you through the storm damage insurance claim process, ensuring that your insurance company honors your policy and provides you with the maximum settlement possible. With us on your side, you can concentrate on rebuilding what was lost.

We Work For You

Storm damage from a tornado or hurricane is serious, and we know how devastating it can be. We’ll concentrate all efforts on getting you the settlement you’re owed.

Results You Can Count On

Our attorneys have collected hundreds of millions of dollars in settlements from insurance companies for our clients and we’re ready to help you, too.

Free Policy Review

You don’t risk anything by contacting our team to review your claim. With our free policy review, you can discover if you have a case at no cost whatsoever.

Storm Damage Can Be Catastrophic

Experiencing the wrath of a hurricane or tornado can be a catastrophic event that leaves a lasting impact on your life. The devastation of losing your home or property due to a natural disaster is truly an unimaginable experience. It can be overwhelming and challenging to know where to start in the aftermath of such destruction. But know that you don’t have to face this alone. The Disaster Insurance Claims attorneys are here to help you through this difficult time.

We understand the immense toll that a storm can take on your life and the lives of your loved ones. Whether you had to evacuate or not, the impact of losing your property in a natural disaster or sustaining serious property damage is something that cannot be adequately prepared for. Our team of attorneys has helped many clients recover millions of dollars in damages resulting from tornadoes across multiple states, as well as hurricanes Katrina, Ivan, Gustav, Sandy, Maria, Harvey, and Michael. We’ve seen firsthand the devastation these events can cause, and we’re dedicated to fighting for the settlement you deserve.

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Filing an insurance claim after being a victim of storm damage.

What Is a Storm Damage Claim Worth?

The value of a storm damage claim can vary widely depending on the extent and severity of the damage to the property. The goal of an insurance claim is to receive compensation for the losses incurred due to the storm. This compensation can cover a range of costs, including repairs to the property, replacement of damaged personal belongings, and even temporary housing and living expenses if the property is uninhabitable.

The final value of the claim will depend on the extent of the damage, the policy limits, and the deductibles involved. In order to get the most out of your claim, you should carefully review your insurance policy with one of our knowledgeable storm damage attorneys to understand the limits of your coverage and any exclusions or restrictions that may apply. In cases where the insurance company disputes the value of the claim, it can become necessary to seek the assistance of an attorney to be sure you get every bit of the damages you deserve.

Our experienced storm damage insurance claims attorneys can show you how much in damages you can recover.

We Have Collected Over$950 Million for Policyholders

We’ve collected more than $950 million in settlements for commercial and residential policyholders. Insurance companies often hold back as much as they think they can get away with, but our team will work hard to make sure they pay out what you are due. With our knowledge of the law, our knowledge of the insurance industry, and our trusted reputation, you won’t find stronger defenders for your rights.

You Can’t Count on Insurance Adjusters

While the insurance adjuster’s role is to assess the damage and determine the value of your claim, it’s important to keep in mind that their interests may not always align with yours. Insurance companies are businesses and are motivated to pay out as little as possible on claims to protect their bottom line. This means that the adjuster may not always accurately value your claim or account for all of the damages you’ve incurred.

It’s important to have an advocate on your side who will fight for your best interests and ensure that your claim is accurately valued. Our team of Disaster Insurance Claims attorneys has extensive experience dealing with insurance companies and negotiating with adjusters to ensure that our clients receive the full value of their claims.

Don’t leave the outcome of your storm damage claim to chance. Contact us today for a free policy review and let us help you get the most out of your claim. Our attorneys will review your policy and work with you to understand the extent of the damages you’ve suffered. We’ll then use this information to negotiate with the insurance company on your behalf to ensure that you receive the compensation you’re owed. With our help, you can focus on getting your life back on track while we handle the details of your claim.

Storm damage insurance claim adjusters cannot be trusted.

Frequently Asked Questions

Every policy is different, but most homeowners insurance policies do cover wind damage from hurricanes and tornadoes. The primary factor affecting this trend is location. For example, homes near the coast that are more susceptible to hurricanes may require extra coverage.

There are two primary types of wind coverage to be aware of. Dwelling coverage specifically covers damage inflicted on your property’s structure, such as the roof, siding, and windows. Personal property coverage is a bit different, as it covers any contents within your home that were damaged from a tornado or hurricane. This often comes with limits, so there’s a certain dollar amount that your insurer won’t exceed in compensation.

The most common way an insurance company will fight against your claim is by alleging that the damage you’re claiming wasn’t caused by wind. Instead, they’ll lay the blame on defective materials, lack of maintenance, improper repairs, or any other cause they don’t have to cover. You’ll need a proper damage assessment to fight this effectively.

An anti-concurrent causation clause is a part of many insurance policies that states that the insurer doesn’t have to cover damages if a homeowner suffers two perils at once. Imagine that your home is damaged due to the effects of a hurricane. At the same time, there was significant water damage done to the property from a small flood. If you solely have insurance for wind damage and not for water damage, the insurer does not have to cover the damages at all. Keep an eye out for any anti-concurrent causation clauses in your policy.

As your wind damage insurance claims attorneys at Long & Long Attorneys at Law, we work on a contingency fee-basis. This means you won’t owe us a dime unless we win your case for you! There are no hidden fees, no surprises, and no strings attached.

If Your Home or Business Has Suffered Damage:

Following these steps will help ensure you get the most out of your claim.

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DOCUMENT YOUR DAMAGED PROPERTY

Photograph the property, taking care to showcase all wind damage.

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DON’T SUBMIT A CONTRACTOR BID

Don't submit any contractor bids until after work has begun.

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BEWARE OF UNDERINSURANCE PENALTIES

If your policy is subject to under-insurance penalties, you may get drastically less than what you need.

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CONSULT AN ATTORNEY IMMEDIATELY

Call your Disaster Insurance Claims team at Long & Long Attorneys at Law as soon as possible to ensure you’re approaching this complex situation in exactly the way needed to get the settlement you deserve.

Common Wind Damage Denied By Claims Insurance Companies

Hurricanes and tornadoes can do serious damage to your roof, but insurance companies are often hesitant to cover the cost of replacement. Instead, they’ll only opt to cover the costs of repair, especially if their assessment puts the roof’s damage under 25%.

General wind damage is often dismissed as damage caused by general wear and tear by insurers. This is because insurers don’t have to cover wear and tear damage. A similar strategy is used when insurers claim that damage is caused by faulty installation or design errors rather than wind.

Hurricanes and tornadoes are accompanied by storms in most cases, and the rain from those storms can cause damage in their own way. While water damage in general is typically also covered by homeowners insurance, flood damage is a different category. If you don’t have flood insurance, your insurer may claim that the damage was caused by flooding rather than wind.

Call Long & Long Today. We’re Here to Help.

If your home or property was damaged during a tornado or hurricane, you deserve to be compensated fairly for what was lost. Our attorneys at Long & Long are experienced and determined to help you fight for what is yours. Call us today for a free consultation or fill out our free online case evaluation form.

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