On October 29, 2012, millions of Americans in the Northeast United States suffered significant harm, property loss, and damage when one of the most dangerous hurricanes made landfall. Now known as a “super storm,” this hurricane brought flooding and winds of up to 90 mph to millions of residents in several states. As a result, millions of Americans are now facing millions of dollars worth of property damage and loss.
When facing such devastation, most people believe that they can rely on their insurance company to provide financial assistance in covering the costs of their losses. Unfortunately, many insurance companies fail to uphold their policies with customers by engaging in unfair and unprofessional tactics. As a result, those people already victimized by a natural disaster are caused further suffering and harm as they are forced to pay the difference between the settlement offered by their insurance provider and the actual cost of damage.
In the aftermath of a storm as large as a hurricane, insurance companies find themselves inundated with thousands of insurance claims. As a way to speed up the process of handling these claims, insurance companies often look to independent adjusters to help with assessing damage and evaluating claims. Sadly, this is just one of many tactics that insurance companies employ in an attempt to save themselves money, along with unfair claim denials, delays in processing and settling claims, misrepresentations, and settling claims at amounts far below their actual value.
While it seems simple enough for independent adjusters to aid in the process of evaluating damage and claims, the reality is that this often results in property damage being underestimated and hidden damage not being discovered. This is largely due to a number of inexperienced, unskilled, and improperly trained adjusters being used in the rush to settle the many claims an insurance company is faced with after a massive storm. Unfortunately, this and other acts of bad faith often result in property owners receiving far less than they actually deserve for their losses, forcing them to pay for the rest of their damages out of pocket. This difference can amount to hundreds of thousands of dollars, a significant sum for anyone.
Fortunately, as a policyholder, there are things you can do to make sure that your rights are protected when dealing with your insurance company:
Obtaining the full amount of compensation you are entitled to under the law and according to your insurance policy after a storm like a hurricane is difficult enough when your insurance company acts as you hope they will. However, when insurance companies attempt to underpay you, delay your claim, or deny it outright, getting the financial assistance you need can seem impossible.
In this type of situation, many individuals turn to experienced attorneys who can help them take action against unfair insurance company tactics and pursue the full, fair insurance settlement outlined in their policies. If you have been treated unfairly by your insurance company in the wake of a hurricane, you need to take action now. Contact Williams Hart at (713) 352-0031 today to learn more about what you can do.