As your Disaster Insurance Claims team at Long & Long Attorneys at Law, 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. 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
Hurricane or tornado can be a traumatic experience. Even if you evacuated, and it was just your property that suffered, losing your home or property in a natural disaster is something no one can prepare you for. We have recovered millions for our clients in tornadoes across multiple states, and hurricanes Katrina, Ivan, Gustav, Sandy, Maria, Harvey, and Michael. We understand what you’re going through, and we’re dedicating to fighting for the settlement you deserve. Let us handle the insurance company for you, so you can focus on rebuilding.
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
Insurance adjusters don’t work with your best interest in mind. They may give you an assessment of the damages, but do not rely solely on their word. Our team can conduct an assessment of our own to evaluate the extent of the damages in places that insurance adjusters will leave out or miss. We tell the insurance company the amount you deserve to be compensated for everything you’ve lost.
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.
DOCUMENT YOUR DAMAGED PROPERTY
Photograph the property, taking care to showcase all wind damage.
DON’T SUBMIT A CONTRACTOR BID
Don't submit any contractor bids until after work has begun.
BEWARE OF UNDERINSURANCE PENALTIES
If your policy is subject to under-insurance penalties, you may get drastically less than what you need.
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.