{"id":14773,"date":"2019-09-10T16:51:38","date_gmt":"2019-09-10T16:51:38","guid":{"rendered":"https:\/\/webdemo.icu\/site\/andywins\/?p=14773"},"modified":"2019-09-10T16:51:38","modified_gmt":"2019-09-10T16:51:38","slug":"4-things-you-need-to-know-about-hurricane-damage-claims","status":"publish","type":"post","link":"https:\/\/webdemo.icu\/site\/andywins\/blog\/4-things-you-need-to-know-about-hurricane-damage-claims\/","title":{"rendered":"4 Things You Need to Know About Hurricane Damage Claims"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Your home is your family\u2019s safe haven. After a big storm, you\u2019ll want to rebuild or repair <a href=\"https:\/\/webdemo.icu\/site\/andywins\/practice-area\/\">property damage<\/a> as quickly as possible. Unfortunately, the insurance policies that are supposed to help you protect your most important assets can slow down and complicate this process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vague terms and unclear coverage options can leave victims in a tough place after a hurricane. In this blog, we\u2019ll outline four of the most important things you should know about insurance claims after a big storm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Your Homeowner\u2019s Insurance Might Not Offer Cover All Your Hurricane Damage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Homeowner\u2019s insurance does not cover flood damage, including damage from storm surge and some sewer back-ups. Instead, you\u2019ll need to obtain coverage from a private insurer or the NFIP (National Flood Insurance program).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sadly, many homeowners in Alabama and Mississippi do not have flood insurance. In 2017, the NFIP covered only 119,510 homes in Mississippi and Alabama, even though our coastal population has been steadily growing. In its 2019 Storm Surge Report, CoreLogic estimated:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In a Category 5 hurricane, 157,803 Alabama and Mississippi homes would suffer storm surge damage.<\/li>\n\n\n\n<li>Storm surge from a Category 3 storm would harm 89,873 Alabama and Mississippi homes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Notably, these numbers do not take into account sewer back-ups and other forms of flooding.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should also take a close look at your homeowner\u2019s policy windstorm coverage. In Alabama and Mississippi, you may need a separate policy that covers windstorms, such as tornados and hurricanes. Many of these policies, including those issued by the Alabama Insurance Underwriting Association (AIUA), set a higher deductible for hurricane-related claims.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Document Everything Before and After a Hurricane<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re filing a hurricane damage claim, the insurance company will request detailed information about the condition of your home, the repairs you\u2019ve made, and the personal items you lost. If you don\u2019t have a detailed pre-hurricane inventory, receipts associated with emergency repairs, and other evidence, it will difficult to get compensation for your losses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Andy Citrin Injury Attorneys, we suggest a two-part documentation process.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Before the Hurricane or Storm<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before hurricane season starts, it\u2019s a good idea to take pictures of your home\u2019s interior and exterior. You should also create a detailed inventory that lists the items within your home and how much you paid for them. If you have receipts or appraisals, it\u2019s a good idea to include copies of them in your inventory.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To keep this information safe, we suggest keeping a copy of these records in a waterproof container or online in a strongly password-protected account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">After the Hurricane or Storm<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While the insurance company will probably want to secure your property with tarps, plywood, or other materials, take pictures and videos of the scene before you make emergency repairs. That way, you\u2019ll have documentation of exactly what your home looked like in the aftermath of a hurricane.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you didn\u2019t take all these steps, don\u2019t panic. However, you will need to carefully reconstruct a home inventory as part of your <a href=\"https:\/\/webdemo.icu\/site\/andywins\/blog\/insurance-wont-cover-your-condos-hurricane-damage-talk-to-a-lawyer\/\">hurricane damage claim<\/a>. Your lawyer may be able to guide you through this emotionally difficult process if you feel overwhelmed by the task.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. You May Get Offered Less Than Your Property\u2019s Full Value<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s important to remember that your insurer will only pay up to your policy limits. If you decided to buy a barebones homeowner\u2019s insurance policy, you could lose out on valuable compensation. Your policy may also place limits on the amount it will pay for certain types of losses, such as personal items inside your house.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Assessing the value of your claim is never straightforward \u2014 your priceless family heirlooms\u2019 worth can be very different to the insurance company than they are to you. Depending on your policy, you may receive either the replacement value or actual cash value (ACV) of your items. An item\u2019s replacement value is the amount it will cost to rebuild or obtain a new version. In contrast, if your insurer pays its ACV, you\u2019ll only get compensated for its pre-storm, depreciated value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, insurance companies also try to undervalue assets during a property damage claim. If you think you\u2019re getting an unfair settlement offer, consult with an experienced lawyer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>RELATED ARTICLE: <\/strong><a href=\"https:\/\/webdemo.icu\/site\/andywins\/blog\/how-to-prepare-for-hurricane\/\"><strong>How to Prepare for a Hurricane in Alabama<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. You May Qualify for Federal and State Disaster Relief<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to your insurance claims, you may also be eligible for a variety of state and federal disaster relief programs. FEMA and other agencies provide hurricane victims with financial assistance if they\u2019re uninsured or underinsured.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Additionally, the U.S. Small Business Administration offers low-interest, long-term loans to both businesses, homeowners, and renters after a natural disaster. If you\u2019re eligible, you can use these funds to help rebuild or replace your home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To find out more about these programs, you can visit FEMA\u2019s <a href=\"https:\/\/www.disasterassistance.gov\/\">Disaster Assistance website<\/a>, a Disaster Recovery Center, or your state\u2019s emergency management agency.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">An Alabama Property Damage Lawyer May Help You Rebuild<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When you, your family, and your property are harmed by extreme weather or forces of nature, putting your life back together can be a challenge. Unfortunately, the insurance companies may complicate your recovery with red tape and denied claims.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some common excuses for denied homeowner\u2019s insurance claims include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Purchasing the insurance policy shortly before a storm develops in the Gulf of Mexico<\/li>\n\n\n\n<li>Blaming the damage on factors that pre-existed the storm<\/li>\n\n\n\n<li>Lack of evidence<\/li>\n\n\n\n<li>Claiming that it canceled your policy before the date of loss<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">When the insurance company is trying to limit the amount of compensation you receive, or refuses to help you with your claim, consider contacting an Alabama property damage lawyer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An experienced property damage lawyer can help you understand the terms of your insurance policy, your claim\u2019s value, and fight on your behalf. At Andy Citrin Injury Attorneys, we\u2019re not afraid to stand up to insurance companies and demand justice for our Gulf Coast neighbors. That\u2019s why we use sophisticated and aggressive tactics to develop and litigate our clients\u2019 claims. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Andy Citrin Injury Attorneys: Fighting for Alabama and Mississippi Gulf Coast Storm Victims<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At <a href=\"https:\/\/webdemo.icu\/site\/andywins\/\" data-type=\"page\" data-id=\"20384\">Andy Citrin Injury Attorneys<\/a>, we have over 50 years of experience handling the toughest property damage claims. The Gulf Coast is our home, and we understand that when hurricanes and other natural disasters destroy our homes, the losses are devastating.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve recovered hundreds of millions for our clients and fight relentlessly on their behalf. Take advantage of our free case evaluation; call&nbsp;251-888-8888 &nbsp; today or&nbsp;complete our&nbsp;<a href=\"https:\/\/webdemo.icu\/site\/andywins\/contact-us\/\">simple online form<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>References<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2019 storm surge report. (2019). <em>CoreLogic<\/em>. Retrieved from https:\/\/www.corelogic.com\/intelligence\/reports\/climate-change\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fact file: Alabama hurricane insurance. (2018, September). <em>Insurance Information Institute<\/em>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fact file: Mississippi hurricane insurance. (2018, September). <em>Insurance Information Institute<\/em>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>The content provided here is for informational purposes only and should not be construed as legal advice on any subject.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your home is your family\u2019s safe haven. After a big storm, you\u2019ll want to rebuild or repair property damage as quickly as possible. Unfortunately, the insurance policies that are supposed to help you protect your most important assets can slow down and complicate this process. Vague terms and unclear coverage options can leave victims in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15762,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[54],"class_list":["post-14773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hurricane-damage","tag-andy-citrin-injury-attorneysflood-insurancewindstorm-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 Things You Need to Know About Hurricane Damage Claims - Andy Citrin Injury Attorneys<\/title>\n<meta name=\"description\" content=\"Your home is your family\u2019s safe haven. After a big storm, you\u2019ll want to rebuild or repair property damage as quickly as possible. 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