Insurance companies may deny wind damage claims for several reasons. Here are some of the most frequent our Lafayette hurricane damage lawyers encounter:
- Lack of wind coverage: Your policy may not include sufficient coverage for wind damage.
- Disputes over the cause of damage: Insurers may argue that the damage was caused by something other than wind.
- Inadequate documentation: Failing to provide sufficient evidence of the damage.
Understanding the reasons behind these denials is crucial for homeowners seeking fair compensation for hurricane-related wind damage. We’ve helped many clients who were frustrated when their wind-related damage claims were denied. Here’s more information on why this happens.
How Does Policy Coverage Affect Wind Damage Claims?
Standard homeowner’s policies often include coverage for wind damage. However, in hurricane-prone areas like Louisiana, there may be special deductibles or limitations on wind coverage.
Some policies may have a separate wind and hail deductible, which is typically higher than the standard deductible for named storms and hurricanes. It’s essential to review your policy carefully and understand your deductible responsibility.
Wind and hail deductibles can be quite expensive, often a percentage of the value of your home. If it’s in your budget, you should set money aside to cover the highest deductible you might have to pay on your policy so no disaster will leave you without coverage.
Laborde Earles injury was great for me they took care of me very fast and professional. If for any reason I need legal help they will be who I use.
ClientWhy Do Insurers Dispute the Cause of Wind Damage?
Insurers may deny claims if they believe the damage was caused by something other than wind. This is a common issue in hurricane-related claims because multiple factors can contribute to property damage.
For example:
- Insurers might argue that water, not wind, caused the damage.
- They may claim that pre-existing structural issues led to the damage.
- Poor maintenance could be cited as the primary cause rather than wind.
You should fix problems as soon as you are aware of them. If you take care of issues promptly, the insurance company will have less room to deny your wind damage claim because of poor maintenance.
I thank God for Digger & David. I don’t know what we would have done if it hadn’t have been for them.
Rick Smith | ClientHow Important Is Documentation in Wind Damage Claims?
Proper documentation is crucial for the success of your wind damage claim. Inadequate documentation is a common reason for claim denials. Documenting the damage thoroughly and obtaining expert opinions can help counter these disputes.
To strengthen your claim:
- Take photos and videos of the damage immediately after the hurricane.
- Keep receipts for any emergency repairs or temporary housing.
- Document all communication with your insurance company.
Performing yearly home inspections and taking photos of your property before hurricane season can also prove that your home was in good condition before the storm. The more evidence you can provide, the stronger your case will be against potential wind damage denials.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientCan Delayed Reporting Lead to Wind Damage Claim Denials?
Yes, delayed reporting can be grounds for claim denial. Most insurance policies require prompt notification of damage. Prompt notification:
- Allows for immediate assessment of the damage.
- Helps prevent further damage that could be attributed to neglect.
- Complies with policy requirements for timely notification.
Report your wind damage as soon as it’s safe after a hurricane to avoid this potential pitfall. If the disaster prevented you from contacting your insurer promptly and they deny your wind damage claim, speak with our attorneys for advice.
They treated us like no other people would. Whenever we needed something they were there for us. I put my trust in them and I don’t regret it.
ClientWhat Role Does the Age and Condition of Your Roof Play in Wind Damage Claims?
The age and condition of your roof can significantly impact wind damage claims. Insurers may deny wind damage claims if they determine that your old or poorly maintained roof is more susceptible to wind damage.
- Regular roof inspections and maintenance are crucial.
- Document all roof repairs and keep receipts.
- Be aware of your roof’s age and expected lifespan.
If your roof is older, consider upgrading it to meet current wind resistance standards, especially if you live in a hurricane-prone area. This will reduce the chance of a wind damage claim denial based on an old roof before the storm.
How Can a Louisiana Hurricane Damage Lawyer Help with Denied Wind Claims?
If your wind damage claim has been denied, a Louisiana hurricane damage lawyer can provide valuable assistance by:
- Analyzing your policy to ensure the denial is justified
- Gathering additional evidence to support your claim
- Negotiating with the insurance company on your behalf
- Representing you in litigation if necessary
Conclusion: Don’t Let Wind Damage Claim Denials Leave You in the Lurch
Dealing with a denied wind damage claim after a hurricane can be frustrating and overwhelming, but you have options. If you’re facing challenges with your wind damage claim, don’t hesitate to seek professional help.
Our team of experienced Louisiana hurricane damage lawyers can fight back against your denial. We’ll review your policy to see if the insurer’s denial is legitimate, and if it isn’t, we’ll fight to get you the money owed.
Contact us today for a free consultation. Let us use our knowledge and experience to ensure that your rights are protected and your voice is heard when filing for an insurance claim after a hurricane.
