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What happens when filing a hurricane claim?

On Behalf of | Mar 17, 2021 | Firm News |

Louisiana residents suffered more than their fair share of damage from hurricanes. Those with the appropriate insurance may file a claim to recover their losses. Whether relying on homeowners, flood, or business-related insurance, filing a thorough claim becomes necessary. An insurance adjuster may have an eye on saving their company money, so the claimant might benefit from taking steps to ensure all legitimate losses end up reported.

Attempting to get the most from an insurance claim

After a hurricane damages a home or business, it becomes necessary to prevent further damage from occurring. Moving swiftly to contact the insurance company helps the cause since the eventual settlement money pays for renovations. Sometimes, performing repair work immediately becomes necessary. Also, the insurance contract could require the timely filing of a claim. Provisions in the contract addressing the timely filing of claims may exist.

Keeping a log of damage seems advisable, and photo and video evidence documenting the damage could go a long way. Some may throw out damaged belonging too soon and fail to photograph what took place. Doing so may hurt the bottom line on the settlement offer.

Reviewing all applicable to see if any loss of use, relocation, and business interruption provisions exist might prove helpful. An insurance policy may cover an unavoidable hotel stay.

Negotiating with the insurance company

Experience may factor heavily during the insurance claims settlement process. The insurance company could offer a low settlement amount, and an experienced negotiator may provide evidence supporting a higher amount. An attorney could fill this role, and, if necessary, an attorney may suggest filing suit against an insurance provider attempting not to pay.

An attorney may also explain an insurance policy’s language to a client. The attorney might offer suggestions about how to proceed with a claim based on a particular policy’s coverage.