Coverage Provided by a Common Homeowner’s Insurance Policy

Hurricanes have caused widespread destruction throughout the Eastern United States, leaving many homeowners with massive damage to their property due to high winds, flying debris, and flooding. Homeowners with insurance policies should be able to expect coverage for these damages, but may find that their policy provider is less willing to offer the much-needed coverage. However, these homeowners may have the right to pursue damages that are covered under their policy through legal action.

If your insurance policy provider has been unwilling to provide you with the kind of coverage you’ve paid for and deserve, you may be eligible to pursue the value of that coverage through an insurance bad faith lawsuit. To learn more about your legal options as a wronged policyholder, contact our insurance claims attorneys of Williams Hart today at (713) 352-0031.

What’s Covered in Most Policies?

Insurance policies act as a contract between the policy provider and the policyholder. As such, insurance companies are responsible for covering damages that are protected within these policies, while policyholders are responsible for paying regular premiums and other fees. For a homeowner’s policy, these covered damages usually include the following:

  • Damage to the house’s structure
  • Displaced living expenses
  • Liabilities that occurred on a homeowner’s property
  • Personal property and belongings

If an insurer improperly compensates a policyholder by failing to pay, failing to pay an adequate amount, or paying after an unreasonable delay, a policyholder may be entitled to seek further compensation through an insurance bad faith claim.

Contact Us

If your family is still waiting for coverage or has otherwise been treated unfairly by their insurance company, we may be able to help you pursue legal action against your insurance policy provider. To discuss your rights and options if your policy provider hasn’t held up their end of your homeowner’s policy, contact a hurricane claims lawyer of Williams Hart at (713) 352-0031 today.

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