Homeowners throughout the state know how stressful it can be to get adequate coverage for their properties. Although hurricane season is still a few months away, it is a good time to review your policy to ensure that you have sufficient coverage should a natural disaster occur. Below we will discuss a few things you should review on your policy to determine whether you have the right hurricane coverage.
Coverage In Your Homeowner’s Policy
Whether you rent or own, you should be aware that your policy likely includes an addendum for weather-related incidents. How can this affect you? In many cases, this means that your policy will typically offer coverage for wind, hail, and fire damage. However, these policies often leave out flood damage and flooding tends to cause the most damage following a hurricane.
You may need to purchase an additional policy to ensure that all potential damages are covered should there be a hurricane. Be sure to review the coverage offered to you as the ideal policy will also cover comprehensive replacement expenses such as tree removal and roof repair. If these are not offered in your policy, you can either shop around or purchase additional coverage.
Understanding Your Policy Is Important
You don’t want to find out your insurance policy was not adequate after the hurricane hits. Take the time to thoroughly review your policy so that you can understand your level of coverage. Have your insurance agent write down what is and is not included in your policy. In doing so, you will have a safeguard should your insurance company start looking for loopholes when you file a claim.
Speak With An Experienced Storm Damage And Insurance Lawyer
If you have any questions about hiring contractors to perform repairs after a storm, consider speaking with a knowledgeable lawyer. Attorneys can help you understand your legal rights, options, and provide tips for hiring contractors after the storm. The insurance company may delay owed payment, devalue the damages even if appropriately documented, or deny your claim without a sound reason. If this happens, you can take legal action.
About Miller Trial Law
The personal injury lawyers at Miller Trial Law work closely with victims and families who have been hurt due to the negligence and neglect of another person or party. If you have been hurt in a car accident, truck accident, slip & fall accident, or due to medical malpractice, or nursing home neglect, you are not alone. We may be able to help you seek damages from negligent parties, negotiate with insurance companies, and more. If you’ve been hurt in an accident, you may have the right to seek compensation for your medical costs, rehabilitation expenses, lost wages, and pain and suffering. However, you may only have a limited amount of time to make a claim under the law. Contact Miller Trial Law today and learn how our personal injury lawyers may be able to help you.
> View Our Case Results