Hurricanes are among the most catastrophic natural disasters a policyholder can encounter, with recent trends indicating that storms are intensifying and coastal areas are more vulnerable to severe impacts. The combination of strong winds, rain, tidal surges, and flooding often leaves behind extensive devastation and incurs billions in community costs. Given the significant financial stakes for insurers and the complexity of legal claims, expertise in handling hurricane claims is crucial.
Frequently, competing insurance policies and insurers—alongside their experts—attempt to shift blame for damages. For instance, a homeowner’s policy might exclude flood damage, attributing all damages to storm surge, when high winds have also played a significant role. Experts employed by insurers are adept at playing this “game,” often looking for ways to reduce payouts rather than assist policyholders.
The national policyholder attorneys at Daly & Black, P.C. have managed thousands of such cases nationwide. We are dedicated to supporting you or your business through the challenging process of rebuilding after a hurricane. Whether facing denials, underpayments, or delays, our commitment is to your interests, and we only receive payment if you do.
Before calling a lawyer to discuss your hurricane damage claim, we recommend you do the following so that you are in the best position to fight, should that become necessary:
- File a claim with your insurance company immediately.
- Document the damage: Take photographs of all affected areas, both inside and outside of the property. If possible, compare these with pre-storm photos.
- Get a professional assessment: Hire a public adjuster, contractor, or damage expert who represents your interests, not the insurer’s. Many work on a contingent fee basis or sometimes for free.
- Understand your coverage: Know what your insurance policy covers and what it excludes. If you have questions or if your insurer is wrongfully delaying, denying, or underpaying your claim, reach out to us. Avoid signing anything or giving recorded statements before consulting with one of our lawyers.
Many clients inquire about whether hurricane damage is covered under their insurance. Generally, if you are insured, your policy likely covers the damage, but the specifics depend on the exact terms of your policy. For instance, most homeowner’s policies differentiate between water damage and flooding, necessitating separate flood coverage through the National Flood Insurance Program, FEMA, or another authorized provider.
Insurance coverage limits define the maximum payout for a covered claim, and there may also be time constraints for filing claims after incurring damages. We strongly advise that you review your policy with one of our experienced policyholder attorneys to fully understand your policy’s limitations. Remember, consultations with Daly & Black, P.C. are always free, ensuring you are well-informed without any financial obligation.
Regardless of your intention to sue for bad faith or to enforce your policy rights, it’s vital to arm yourself with all relevant facts. The attorneys at Daly & Black, P.C. are fully committed to your hurricane insurance claim and are available to answer any questions you might have, free of charge. Contact us for your free consultation.