After a hurricane, the damage to your home can be overwhelming. You likely expect your insurance to help right away so you can get your life back on track as soon as possible. But what happens if they delay your claim, deny it, or offer too little? Many homeowners find themselves stuck, trying to recover while dealing with insurance roadblocks.
The good news is, you don’t have to face this alone. A skilled hurricane damage attorney can help ensure you receive the full compensation you’re entitled to. They’ll give you the support and help when you need it most. In this blog, we’ll look at why claims are often delayed or denied and how a lawyer can help you overcome these challenges.
Don’t let your insurer stand in the way of your recovery—here’s how to secure what you deserve.
Common Reasons Why Hurricane Damage Claims are Denied or Delayed
When you file a hurricane damage claim, you are expecting to receive help right away. But insurance companies often find reasons to drag out or deny these claims. Here are some common reasons – and how a lawyer can help.
Insufficient Proof of Damage
Insurance companies require thorough documentation to substantiate claims. Without detailed evidence, they may look for reasons to deny or delay your claim. After a hurricane, it can be challenging to document everything while managing other urgent repairs and safety needs. As a result, insurers might claim you don’t have ‘enough evidence’ to support your claim.
A hurricane damage attorney can ensure your claim is well-documented. They will work with you to gather and present sufficient evidence, such as photos, inspection reports, and repair estimates, to make your claim as strong and complete as possible. With their help, you can focus on recovery, not paperwork.
Confusing Policy Language
Hurricane insurance policies often include clauses and exclusions, making it difficult to understand what’s covered and what isn’t. In some cases, insurers use vague terms to avoid providing full coverage, which can leave you confused and without the help you need and expect.
A hurricane damage attorney can review your policy and explain what it covers. They can also identify ways to ensure insurers uphold their promises, so you aren’t stuck paying for covered losses. Understanding your rights is the first step to a successful claim.
Suspected Fraud or Incomplete Reporting
Sometimes, insurers deny claims due to ‘suspected fraud’ or because they believe details are missing. This is especially common when the claim involves major repairs. It can be extremely frustrating to be honest about your losses, only to be met with doubt and additional questions.
A hurricane damage attorney can act on your behalf, pushing the insurer to treat your claim fairly. They will handle all communication, so you don’t have to stress over each new request for information. Attorneys know how to ‘speak the language’ of insurers, so you don’t have to learn it yourself.
Missed Deadlines
Right after a natural disaster, it’s easy to miss filing deadlines or overlook specific requirements. Many policies have strict timelines for filing claims, and a missed deadline can lead to a denied claim, even in challenging situations.
An attorney can help keep your claim organized and on track by managing deadlines and paperwork. This ensures your claim is filed correctly and on time, so it isn’t denied due to a simple mistake. If you’re worried about missing deadlines, an attorney can help you stay on course.
How a Hurricane Damage Attorney Can Help
Facing a denied or delayed claim can be overwhelming, but a hurricane damage attorney can give you the expertise and support you need. Here’s how they can help make a difference:
Policy Review and Coverage Assessment
Insurance policies are often complex and difficult to understand. Your attorney will carefully review your policy, identifying all coverage areas and spotting any hidden clauses. By fully understanding your policy, your attorney can ensure the insurer upholds their end of the deal.
Collecting the Right Evidence
After a hurricane, gathering proof for your claim can be challenging. An attorney can help collect reports, estimates, and photos, giving your claim a strong foundation. This level of preparation makes your claim more solid and reliable.
Negotiating with Insurers
Insurance companies will try and offer lower settlements, because they know homeowners are under pressure to accept. A skilled attorney can negotiate on your behalf, pushing for a fair settlement. With an attorney negotiating for you, there’s no need to accept less than you deserve.
Litigation When Necessary
When negotiations don’t go your way, taking your case to court may be the next step. Strickland & Kendall’s attorneys are prepared to do this if insurers won’t offer a fair settlement. With our help, you can pursue the full payment you’re owed and fight for your rights.
Why Choose Strickland & Kendall for Your Hurricane Damage Claims
Facing a denied or delayed claim is stressful, but at Strickland & Kendall, we have the experience, resources, and dedication to help you get through it. Here’s why so many homeowners choose us.
- Disaster Claim Expertise: With years of experience in disaster and hurricane-related claims, we understand the tactics insurers use and know how to counter them effectively.
- Client-Centered Approach: Our focus is on supporting clients through every step of the process, with clear communication and a commitment to fighting for fair outcomes.
- No-Risk Consultation: If you’re dealing with a denied or delayed claim, we offer a free consultation to help you understand your options, with no obligation. You may have other ways to receive compensation, even if you’ve accepted a partial settlement.
With Strickland & Kendall, you’ll have someone in your corner, every step of the way.
Take Control of Your Claim Process Today
After a hurricane, your energy should be focused on recovery, not fighting with your insurance company. If your insurer isn’t providing the support you need, let Strickland & Kendall step in for you. We’re committed to securing the compensation you deserve, so you can rebuild with peace of mind. Don’t settle for less than what’s fair. Contact us today at 800-874-3528 or visit our Disaster Claims page to learn how we can help. Let us handle the fight so you can focus on moving forward.