Is your home damaged by fire, hail, flood or any other disaster covered by your home insurance policy? Dealing with contractors and insurance adjusters to fix your home — and deciding what your insurance company will and won’t pay — can be stressful and time-consuming. Attorney Bill Voss describes what to do if your home is damaged in a disaster and discusses how an experienced insurance claims attorney can help protect your rights and fight for maximum coverage.
What to do when your home is damaged in the Texas disaster
Contact your insurance company as soon as possible and file a claim. Your insurance company will send an adjuster to determine the extent of the damage and the value of your claim. Recovering the full amount of damage to your home can be difficult. You will have to prove the damages to the insurance company, and negotiate for the full and fair value of your losses; This can take some time and delay the completion of your home repairs.
Working with a skilled insurance claims attorney can help speed up the process and relieve significant stress. Unlike an insurance adjuster, whose primary concern is to save as much money as possible on the company, your attorney stands by you and fights for your best interest at every step. Allowing your attorney to handle communications with your insurance company can also protect you from tactics aimed at reducing their financial obligations or causing unnecessary delays.
Examples of ways insurance companies delay or reduce claims
- Excessive depreciation of the value of your home and possessions. Adjusters calculate the depreciation value of your home and the items in it, taking into account factors such as the item’s age, condition, and life expectancy. If you disagree with the officer’s impairment assessment, your attorney may be able to help you negotiate for a higher value.
- Estimate home repair costs using a computer program instead of getting a quote from a local contractor. When this happens, your insurance company may offer a settlement that is woefully inappropriate for your area and needs. An estimate from a local contractor who has seen the damage to your home is more reliable and can provide a more accurate quote for the cost of the repair.
- Refusing to pay contractor overheads and profits up front, which delays the start — and completion — of your repairs. If your insurance company refuses to pay these costs up front, your attorney can help you protect and assert your rights.
- Expedite the inventory process and try to get you to settle your claim before you realize the full extent of your damages. It takes a long time to determine what was lost or damaged in a disaster, but insurance companies prefer to resolve the claim as soon as possible — before you have a chance to accurately inventory your losses. Taking a careful approach and gathering as much evidence as possible to document damages can help increase your claim.
- Refusing to cover the cost of matching existing materials when repairing a partially damaged home. The insurance company must return your property to the condition it was in before the disaster and ensure that the repaired portion of the home is identical to the rest of the home. Your attorney can work to negotiate a settlement that covers the cost of matching materials.
Is your insurance company treating you unfairly or mishandling your claim? Texas insurance claims attorneys can help you.
Voss Law Firm has extensive experience handling home insurance claims and crisis breakers between contractors and insurance companies. Not only have we partnered with a variety of professionals who can help with your home repairs, but we offer a referral program to put clients in touch with qualified surface builders, landscape architects, contractors, general modifiers and insurance companies to reduce wait times, speed up the completion of repairs, and maximize your payment. . In addition, we strive to recover all legal fees associated with your claim until the insurance company covers our services rather than our clients.
Are you ready to discover what we can do for you? Contact us online or call our office at 888-614-7730. We’ve recovered billions of dollars in settlements for our policyholders’ clients and don’t charge any fees unless we win your case.