Avoid Insurance Denial and Access the Repairs You Need
Your home insurance should cover winter storm damage, but it is important to file your claim correctly if you want to avoid any issues in the process. It is essential that you show your insurance company all the damage that was caused by the storm. In order to make sure this process goes as smoothly as possible, we recommend taking the following steps:
- Take inventory of all the damage.
This means taking pictures and videos of the damage the storm caused to your property. If frozen water has damaged your pipes, be prepared to prove that the HVAC and plumbing systems in your home were not previously leaking. Such proof could include receipts and communications with your local plumber. All of these steps will let the insurance company know that the damage they are covering is solely due to the storm.
- Take steps to protect your home from further damage.
Being proactive about preventing further damage is important. Because the insurance company will only be covering the damage from the storm, preventing further damage will save you from paying for costly repairs down the line.
- Be present when the insurance company inspects the damage.
Your presence will allow you to better point out the damages caused by the storm. If they have any questions about the details of your case, you will be there to answer them. It would also help to write down the names and contact information of those you communicate with at the insurance company. This will help streamline your communication and prevent confusion.
- Ask what they can do to help you with extra living expenses.
If your home is unlivable because of the damage, or you are not able to live in it while the damage is being repaired, don’t forget that your insurance policy might cover this as well! Be sure to ask about coverage for extra living expenses that have accumulated as a result of the storm. This will prevent you from paying unnecessary costs out-of-pocket.
When to Hire an Insurance Claim Attorney
If you have taken the steps above, or plan to take them, we commend you for your due diligence. However, even the most meticulous claim filers are prone to running into issues with insurance companies. If you are struggling to get your homeowners insurance company to provide the coverage you feel you deserve, the team at Farah Law is here to support you.
One of the most common scenarios our clients encounter is that the insurance company acts in bad faith. This means that the insurance company is acting unfairly to the policyholder who deserves the coverage they are due. Situations of bad faith can occur when an insurance company doesn’t properly investigate, when they give an invalid reason to reject a claim, or when they offer a dramatically low amount.
Taking the steps above can ease the claims process, but sometimes the need to hire an insurance claim attorney arises and is critical to receiving fair compensation for your damages. The team at Farah Law can help make sure you get the coverage you deserve, so you can restore your property and resume your life.
To schedule a consultation with Farah Law and learn how we can help you with insurance claims, personal injury cases, and more, give us a call at (888) 481-9359 or contact us online.
Avoid Insurance Denial and Access the Repairs You Need
Your home insurance should cover winter storm damage, but it is important to file your claim correctly if you want to avoid any issues in the process. It is essential that you show your insurance company all the damage that was caused by the storm. In order to make sure this process goes as smoothly as possible, we recommend taking the following steps:
- Take inventory of all the damage.
This means taking pictures and videos of the damage the storm caused to your property. If frozen water has damaged your pipes, be prepared to prove that the HVAC and plumbing systems in your home were not previously leaking. Such proof could include receipts and communications with your local plumber. All of these steps will let the insurance company know that the damage they are covering is solely due to the storm.
- Take steps to protect your home from further damage.
Being proactive about preventing further damage is important. Because the insurance company will only be covering the damage from the storm, preventing further damage will save you from paying for costly repairs down the line.
- Be present when the insurance company inspects the damage.
Your presence will allow you to better point out the damages caused by the storm. If they have any questions about the details of your case, you will be there to answer them. It would also help to write down the names and contact information of those you communicate with at the insurance company. This will help streamline your communication and prevent confusion.
- Ask what they can do to help you with extra living expenses.
If your home is unlivable because of the damage, or you are not able to live in it while the damage is being repaired, don’t forget that your insurance policy might cover this as well! Be sure to ask about coverage for extra living expenses that have accumulated as a result of the storm. This will prevent you from paying unnecessary costs out-of-pocket.
When to Hire an Insurance Claim Attorney
If you have taken the steps above, or plan to take them, we commend you for your due diligence. However, even the most meticulous claim filers are prone to running into issues with insurance companies. If you are struggling to get your homeowners insurance company to provide the coverage you feel you deserve, the team at Farah Law is here to support you.
One of the most common scenarios our clients encounter is that the insurance company acts in bad faith. This means that the insurance company is acting unfairly to the policyholder who deserves the coverage they are due. Situations of bad faith can occur when an insurance company doesn’t properly investigate, when they give an invalid reason to reject a claim, or when they offer a dramatically low amount.
Taking the steps above can ease the claims process, but sometimes the need to hire an insurance claim attorney arises and is critical to receiving fair compensation for your damages. The team at Farah Law can help make sure you get the coverage you deserve, so you can restore your property and resume your life.
To schedule a consultation with Farah Law and learn how we can help you with insurance claims, personal injury cases, and more, give us a call at (888) 481-9359 or contact us online.
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