What To Do If Your Insurance Company Doesn't Pay After A Hurricane

Ruel Law Firm • October 9, 2023

Hurricanes can wreak havoc on your property and disrupt your life in countless ways. That is why homeowners often turn to insurance to provide financial protection in the event of hurricane damage. However, it can be disheartening to find out that your insurance company is not paying out as expected after a hurricane. If you are facing this situation, remember there are ways to protect what could be your largest investment, your home.

 

Review Your Policy  


The first step is to thoroughly review your insurance policy. Understanding the terms, conditions, and coverage limits is crucial. Make sure you have a clear grasp of what your policy covers, including hurricane-related damages, and any specific deductibles that apply. This information will help you determine if your claim should indeed be covered.

 

Document Damage

   

After a hurricane, it is essential to document the damage to your property as comprehensively as possible. Take clear photographs and videos of the affected areas, noting the date and time of each image. This visual evidence will be invaluable when filing your claim and can help substantiate your case if there is a dispute with your insurer.

 

Contact Your Insurance Company 


Once you have reviewed your policy and gathered evidence of the damage, it is time to contact your insurance company. Reach out to them as soon as possible to report the claim. Provide all the necessary details, including the date of the hurricane, the extent of the damage, and any relevant policy information.

 

Maintain Records 


Throughout the claims process, maintain a detailed record of all communications with your insurance company. This includes phone calls, emails, and letters. Note the names of the representatives you speak to, the date and time of each conversation, and the content of the discussion. This record can be essential if disputes arise.

 

Get Help   


If your insurance company denies your claim or offers an inadequate settlement, consider consulting with an attorney who specializes in insurance claims. They can help you navigate the legal aspects of your case and ensure that your rights are protected. Insurance laws can be complex, and having legal representation can be an asset. An Attorney specializing in Insurance can help you explore all your legal options. 

 


If your insurer continues to withhold payment unjustly, you can request mediation with your state's insurance department. Most states have regulatory agencies that oversee insurance companies and can mediate disputes between policy holders and insurers.


Ruel Law Firm, P.A. Can Help 


Facing an uncooperative insurance company after a hurricane can be incredibly frustrating, but it is essential to be persistent and informed. By reviewing your policy, documenting damage, communicating effectively, and seeking legal help, you can increase your chances of getting the compensation you deserve.

 

Contact Ruel Law Firm P.A. in Lakeland Florida. Insurance companies are powerful and dealing with them can often be intimidating. Michael Ruel's experience can help clients navigate through the complex myriad of paperwork insurance companies throw at homeowners.

 

You do not have to face it alone.

 

Ruel Law Firm, P.A.

200 Lake Morton Dr, Suite 400, Lakeland, Florida 33801 

(833) 783-5529

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