You never thought a hurricane would damage your property. Yet, here you are in the aftermath of a serious storm, facing thousands of dollars in repairs and replacement costs. Thankfully, you have insurance for situations like these. But what if the insurance company doesn’t cooperate?
You have options for taking on your insurance company and getting the compensation you deserve. A Middleton hurricane property damage lawyer can file your claim, negotiate with the insurer, and advocate for what you need. GED Lawyers has years of experience helping people in situations like yours. You’re not alone, and we can get started on your case today.
Our Hurricane Property Damage Lawyers Offer Legal Help
We use our knowledge of Massachusetts law, as well as our experience negotiating with insurance companies, to seek a fair settlement. We can:
Help You Understand Your Insurance Policy
Understanding your insurance policy is key to knowing whether the insurer’s acting in good faith. We can go over your entire policy and ensure you know your coverage options. That way, you understand your options moving forward.
Gather Information and Investigate Your Case
The insurance company will send out a claims adjuster to assess the severity of your property’s damage. Yet, these people are biased; they want to save their employer money and will look for any reason to devalue your damages.
Our property damage lawyers will investigate your property’s damage and consult with field experts to learn about what you need. Then, we calculate your covered losses based on your property’s damage––not the insurance company’s bottom line. With us on your side, you get more than a lawyer; you get a team of investigators.
Determine Your Losses
You deserve compensation for everything your insurance policy covers, which may include:
- Temporary housing arrangements
- The cost of boarding a pet or using a laundromat
- Repairs to your property
- Materials to mitigate further damage
- The cost of replacing certain items
Your business may have sustained damage in a hurricane. If so, your insurance may offer business interruption coverage, which allows you to maintain payroll and minimize your financial losses. We can explore your coverage options and explain what you’re entitled to pursue.
Give You Much-Needed Time
After a hurricane damages your property, there are numerous things for you to sort out. Oftentimes, you will need to stay elsewhere until your home becomes safe to live in again or contractors finish repairs. GED Lawyers acts as your legal support system. While you focus on rebuilding your life, we focus on building your case.
Why Would the Insurance Company Deny My Hurricane Damage Claim?
Many people come to us after their insurers have denied their claims. You may come to us with similar concerns. We can learn the reason for your claim’s denial and act accordingly. The insurance company may deny coverage if:
You Don’t Have Coverage
Standard homeowners insurance generally doesn’t cover hurricane damage. Yet, you could still have options, even if you didn’t purchase this additional form of coverage. We can examine your insurance policy and see what options you have.
The Insurer Claims the Hurricane Didn’t Cause the Damage
Insurance companies exist to make money, and they turn a profit by selling policies, not paying claims. So, the insurer may claim that the hurricane didn’t cause the damage to your home, hoping to deflect liability. We use evidence to show that the hurricane caused your property’s damage, and you deserve compensation. Evidence may comprise photos, videos, and testimony from field consultants.
The Insurer Claims You Didn’t Mitigate Further Damage
Your insurance company will only cover damages directly related to the hurricane. It will not cover losses that happened before or afterward. For instance, imagine that you’re claiming mold damage as part of your claim. The insurer may argue that because you didn’t mitigate water damage in the aftermath of the storm, you allowed mold to grow in your home, and it doesn’t have liability.
We do everything possible to show that you took the appropriate steps to protect your property from harm. We may send the insurer receipts for materials you purchased to protect your home. We may also take photos and videos of your property to convince the insurer to settle.
Frequently Asked Questions About Middleton Hurricane Damage Claims
Some commonly asked questions we get from hurricane damage claimants include:
What Should I Do After the Hurricane?
If possible, you should protect your home from further damage. This may involve boarding up broken windows, placing tarps on your roof, and bringing outdoor items inside. As noted, the insurance company may not cover post-hurricane damage. Additionally, you want to show the insurer that you did everything possible to protect your home from the hurricane.
What if the Insurance Company Asks for a Recorded Statement?
Don’t give the insurance company a recorded statement if it asks for one. This doesn’t benefit you or your legal team. Anything you share just gives the claims adjuster more information to discredit your case. GED Lawyers can give the insurer the information it needs to process your hurricane damage claim.
How Much Could I Recover From the Liable Insurer?
How much you can recover depends on the extent of your property’s damage, as well as the liable policy’s limits. We intend to recover everything you need to make the appropriate repairs to your property.
What Are Bad Faith Insurance Practices?
Bad faith insurance practices refer to the unscrupulous actions insurers take to deny people compensation. Some examples include:
- Endlessly negotiating with uncooperative claims adjusters
- Getting low settlement offers
- Waiting days to get responses from the claims adjuster
- Feeling pressured into accepting less than you’re owed
You don’t have to deal with mistreatment from the insurance provider. You can instead partner with a hurricane claims damage lawyer in Middleton.
Contact Our Hurricane Property Damage Team Today
As you deal with your insurance company, you may feel overwhelmed. Rather than taking on everything yourself, contact GED Lawyers. We are committed to recovering every dime you need, so you can start rebuilding your life. Call now to begin a no-obligation case review.