How to get the most out of your insurance claim

The aftermath of Hurricane Harvey has left many confused about what to do next. Many homes were damaged by the hurricane, including wind damage and flooding. In the aftermath, property owners and business owners have been left to pick up the pieces, often with little help from the insurance company that they were counting on to help them rebuild and move on.

Because of the massive amounts of devastation caused by Hurricane Harvey, the insurance companies now find themselves on the hook for claims from business owners and homeowners who are now expecting compensation according to their insurance policies. What many people don’t realize is that this is the worst-case scenario for an insurance company: multitudes of high-dollar claims all at once. This means that the insurance company you trusted to provide compensation after a devastating storm may be looking to save itself (and its shareholders) money by denying, delaying, or under-valuing your claim.

That’s why the attorneys of Williams Hart are investigating insurance claims on behalf of property owners in Houston and all along the Texas Gulf Coast. We are based in Houston, we live in Houston, and members of our team also lost homes and vehicles because of Hurricane Harvey. We are battling the insurance companies for fair compensation for repairs and replacement of our own homes and property, and we are here to fight on your behalf as well. Contact us at (713) 352-0031 to learn more about what we can do for you in your time of need.

Maximizing Your Insurance Claim After Harvey

If you have been affected by these recent storms, here is what you can do to help yourself get the most out of your insurance claim:

  1. Insurance companies file claims as first come, first served. The sooner you make your claim, the sooner insurance companies will be able to help you. After hurricanes Harvey and Irma, insurance providers are overwhelmed. Be persistent, and don’t give up.
  2. Immediately take pictures, videos, and notes of all damage to your property. The more documentation you have, the easier it will be to recover your lost property. You will need evidence to file your claim with your insurance provider.
  3. Once you have been given a claim number, keep it safe and handy. Your claim number will help the insurance company quickly find your account. Document every conversation that you have with your insurance company, including the name of the representative, time, and any details of the discussion.
  4. When an insurance adjuster comes to assess the damages, you should ask if they are independent or employed by the insurance company. If they are independent, you should get the name and contact information of the liaison between your insurance company and the independent adjuster. Ask them if they are authorized to make claim decisions and where your information will be sent. Be wary of robocalls and others impersonating as insurance representatives.
  5. If you feel unsure about the amount of money in damages assessed by your insurance provider, get a second opinion. Local contractors can give you independent assessments and provide you with their expected cost for repair.
  6. Keep all of your receipts. Flood insurance claims do not usually reimburse living expenses incurred while the property is flooded, but most wind claims will cover these costs. If you made any immediate repairs to the property to protect it from further damage, save these receipts as well. Insurance providers will reimburse you.
  7. Get legal help. If you feel as though your insurance company is not ultimately fulfilling their responsibility, or if you simply want to make sure that your interests are properly protected following this devastating storm, having an attorney on your side can give you the peace-of-mind that you need during this challenging time.

If the insurance company does not act in good-faith, or if they delay your compensation, you do not have to simply accept their excuses. While you don’t have to choose our law firm, we strongly urge you to hire someone to help you recover the fair compensation you are owed according to your policy. By hiring an experienced hurricane insurance claims attorney, you can even the playing field for yourself against the massive insurance companies.

Why Choose Williams Hart?

The team at Williams Hart has spent their professional lives fighting on behalf of people across the U.S. who have been wronged in some way by another party, whether it is a negligent pharmaceutical company, a profit-first corporation, or a reckless individual. We firmly believe that if you have been harmed in some way (physically or financially), you deserve to take legal action to hold the party accountable and to recover what you are rightfully owed.

Our sense of justice matches our compassion for people in our hometown of Houston, where we too suffered devastating losses due to Hurricane Harvey. Our team members were displaced from their homes and many of those same people are working to replace damaged or destroyed property, just as you are. Turn to the team that understands exactly what you are going through right now. Trust the team at Williams Hart to help secure the compensation you are rightfully owed by the insurance company. Contact us at (713) 352-0031, chat with us live on our website, or email us through our contact form. We’re here to help you get back on your feet in the wake of Harvey.

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