When a hurricane hits, it brings with it winds that reach up to 90 mph and affect an incredible number of people in states from Virginia all the way up to Maine. Referred to as a “super storm,” hurricanes are now recognized as one of the most devastating storms in our country’s history, causing millions of Americans to suffer serious injuries and extensive damage to their property.
As a result of a hurricane making landfall, millions of people have found themselves facing incredible damage to their homes, businesses, vehicles, and other property. This damage is often significant, costing hundreds of thousands of dollars in some instances. As such, many are turning to their insurance companies for financial assistance to cover their losses under the terms of their insurance policies. Filing such claims can already be difficult and complicated; however, when insurance companies fail to live up to their duties as stated in your policy, causing your claim to be unfairly denied, underpaid, delayed, or improperly handled in a number of other ways, it can feel impossible to get the money you need.
Storms like hurricanes have the ability to affect millions of home and business owners, causing insurance companies to be inundated with hundreds of thousands of claims at one time. While this puts a large amount of responsibility on an insurance company, they are still expected to handle these claims properly and fairly. However, because many turn to independent adjusters to help assess damage and evaluate claims, and because many insurance companies are interested in saving themselves as much money as possible, many deserving claimants receive unfair payments or have legitimate claims denied altogether.
While independent adjusters can be extremely helpful in preparing damage estimates, there are a number of pitfalls with hiring these adjusters. This is especially true when the number of claims that need to be evaluated is large. When filing claims related to storms like hurricanes, many people suffer the repercussions of errors made by inexperienced or improperly trained adjusters, who often make mistakes in estimating claims, usually in an insurance company’s favor. Additionally, when insurance companies use tactics such as unfairly denying claims, misrepresenting damage, delaying processing of claims, or underpaying claims, people may suffer even more, especially if they have to pay the difference between the actual damage they suffered and what the insurance company paid them, which often amounts to thousands of dollars.
There are several things that policyholders can do to make sure their rights and interests are protected when filing an insurance claim:
When you’ve endured losses and damage to your property from a hurricane or a similar storm, you are likely in need of substantial financial assistance and are interested in finding out if there is someone who can help you secure everything you are entitled to according to the law and the terms of your insurance policy. However, filing a claim to get this financial coverage can be difficult, especially if your insurance company employs unfair tactics.