As a result of climate change, scientists predict that hurricane season is going to last longer and cause more damage in the coming years.
Are insurance policies going to change to reflect the worsening hurricane season?
If you've ever dealt with your homeowner's insurance, you know that they don't always want to pay up for property damage.
When it comes to damage caused by hurricanes, they often try to get out of providing the coverage they owe.
Fortunately, you don't have to fight your insurance company on your own.
Read on to learn more about why you should hire a lawyer when filing a claim for hurricane damage.
Insurance Companies May Say You're Not Covered
Many basic property insurance packages don't cover flood damage.
However, they do typically cover damage caused by wind, which is what causes the vast majority of hurricane damage.
If you're trying to file a claim for hurricane damage and your insurance adjuster says that the damage was caused by flooding, call a lawyer.
An experienced lawyer will be able to go through your insurance policy to see what is covered.
They'll also navigate the process of dealing with the company for you.
Insurance Companies May Try to Lowball You
If your insurance company does offer coverage, they may try to lowball you.
They have several tactics to try to get you to accept a lower amount than you need to cover the damage.
One method they may use is rushing through your claim. They might tell you that if you don't take a low offer right away, it could take months on end to get any money at all.
Another method they may use is claiming that your property was in poor condition, to begin with. Many insurance companies don't cover gradual damage.
If they claim that your property took a hard hit because it wasn't well-maintained, they're going to try to pay you less.
A lawyer is your best chance at fighting back against a lowball offer.
Property Damage Lawyers Don't Get Paid Until You Get Paid
Many people think they shouldn't hire a lawyer when dealing with hurricane damage because it will cost too much.
The reality is that most lawyers won't get paid until you do. In other words, their pay comes as a small percentage of what you receive from your insurance company, which will be much higher with their help.
Visit this link to find out more about how a lawyer can help you navigate damage caused by hurricanes.
Get the Compensation You Need for Damage Caused by Hurricanes
As hurricane season worsens each year, it's important to know what to do when dealing with damage caused by hurricanes.
If your insurance company is giving you trouble, the best thing you can do is hire a lawyer.
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