Property losses after a disaster disrupt your life and well-being. Repairs become a priority as property losses potentially put you at risk for injury or further damage.
Unfortunately, some insurance companies put money first, not you and your claim. If you’re struggling with an insurance claim or have questions about your coverage after a storm, our Mandeville hurricane claim lawyers will make you and your needs the priority.
What Hurricane Losses Will My Homeowners Insurance Cover?
Depending on your policy and coverage limits, you could qualify for compensation for losses to your:
- Personal property
While it may be overwhelming, taking stock of your home after a hurricane uncovers important losses that may qualify for reimbursement. The Law Offices of Anidjar & Levine can help file your claim for compensation and navigate the paperwork.
How do Specific Issues Affect My Hurricane Claim?
Our Mandeville hurricane claim attorneys recognize that your losses could involve multiple issues and affect your insurance in different ways.
How Hurricane Deductibles Affect a Hurricane Claim
The Insurance Information Institute reports that insurance companies calculate hurricane deductibles by a percentage based on a home’s value. So hurricane deductibles can cost you more before your policy coverage begins.
Insurance companies differ on when the hurricane deductible should be used. So having our team help investigate and file your claim for compensation takes the guesswork out of the process for you.
How Flooding Affects a Hurricane Claim
Typically, homeowners insurance policies have no flood coverage. You need flood insurance to cover loss directly caused by flooding. Making the distinction between loss caused by flooding and loss caused by wind-driven rain could be challenging.
The Federal Emergency Management Agency (FEMA) explains how these distinctions might be made. Our team can take the mystery out of your policy’s language and assist you in every step of your claim.
How Property Loss Because of Debris Affects a Hurricane Claim
If debris, such as a tree, fell on your garage, you could need roof repairs, structural repairs, or broken windows replaced. Even hauling away the tree costs money.
Your insurance company may cover all these expenses. In fact, the Insurance Information Institute (III) reports that most insurance companies pay to remove trees that damage structures, typically providing up to $500.
However, understanding how to navigate your policy and your insurance company may require some help. Our Mandeville hurricane claim attorneys can help you understand your coverage as well as file and manage your hurricane claim with the insurance company.
Dealing with Insurance Companies Acting in Bad Faith
Insurance companies get swamped with claims after a hurricane. They may try to cut corners or avoid paying the hurricane claims of Mandeville residents like you. Our lawyers work to get you fair treatment for your hurricane claim.
Our help can range from fighting bad faith practices to managing communication between you and adjusters. We help you understand your insurance policy and protect your rights after a hurricane.
Stalling, Underestimating, and Other Insurance Tactics
Some insurance companies act in a way that is frustrating, but legal. Others may operate underhandedly in bad faith. Either way, you have a right to seek legal help.
The Law Offices of Anidjar & Levine can help if an insurance company is:
- Taking too long to process or respond about your claim
- Switching adjusters or representatives often
- Unfairly denying or undervaluing your claim
- Not abiding by the terms in your policy
- Pressuring you to accept a settlement quickly
- Asking you to settle without seeing documentation
- Intimidating or bullying you in any way
Tactics that cause you to question events or judgments that don’t seem fair may not be your imagination. Get a second opinion from our hurricane claims attorneys serving Mandeville.
Gain a Partner in the Hurricane Claim Process
Our firm has a longstanding connection to Louisiana, with attorney Glen Levine graduating from Tulane University and attorney Nicholas Basco graduating from Loyola University New Orleans. We are committed to helping those affected by the unique challenges of the region.
That help includes providing support and assistance with:
- Compiling evidence for your claim
- Valuing your losses
- Filing official paperwork
- Talking to adjusters
- Scheduling and logistics
- Pursuing bad faith companies
Plus, our hurricane claim attorneys offer free consultations to answer any of your questions. We even give you your lawyer’s phone number for better accessibility.
What We Can Do to Strengthen Your Claim
Once you are safe and able to go through your losses from a storm, we can take steps together to better prepare your claim, such as:
- Keeping damaged property
- Creating an inventory
- Saving receipts
- Documenting everything
Avoid the temptation to throw away damaged items when you clean your home. If it is safe to do so, we will preserve the damaged property as evidence so that an insurer can’t argue that something was less damaged than you claim or that you did not own an item.
An inventory can also be crucial evidence in a fight with an insurance company intent on undervaluing your claim. Our team can work alongside you to create a rough estimate of what ruined items were worth. Helpful receipts can range from items you had to replace out of pocket to hotel and food bills if you could not stay in your home.
Finally, the more documentation we can make about your losses, the better, such as photos or video, records of when certain items were purchased, and copies of anything we send to the insurance company.
Come to Us for Answers Now
Our hurricane claim lawyers look at all the losses you suffered after a Mandeville hurricane and find ways to obtain the compensation you need to repair, rebuild, and resume your normal life. Call the Law Offices of Anidjar & Levine today to start the rebuilding process: 1-800-747-3733.
We Can Help.