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Should you file your own hurricane damage claim?

Updated: Feb 14, 2023

If you have incurred damages because of a storm, you’ll want to file a claim as soon as possible. This way, you can start repairing and building your home back to the way it should be.

You may be tempted to file your own hurricane damage claim, but we recommend getting a property damage attorney. They are more well versed in dealing with the insurance companies. They will also probably advise you to hire your own public adjuster because the one that the insurance company hires works for the insurance company.

Unfortunately, hurricanes are something that we can never fully protect ourselves against, damages happen even with preparation and taking necessary precautions. That is why it is so important to property damage attorneys you gain the compensation you deserve. Here are a few reasons you should hire a property damage attorney to help you.

#1 They will help get you set up with a Public Adjuster

A public adjuster is a licensed insurance expert. They will help you during the investigation process and gather the facts for the insurance companies to review with your claim. They will also approximate the cost of the repairs that need to be made to the home which helps your property damage attorney know what a fair settlement will be for the damages. The attorney will handle the negotiating with the insurance company for you.

#2 They will tell you what is covered

Property damage attorneys are aware of the ever-changing laws that govern these types of damages and will review your policy and see what is covered. For example, something many people do not know is that flooding is actually not covered. What exactly does that mean? Well, any damage incurred from flooding or water that rises from the bottom up, from the overflow of a body of water, like that of a storm surge, is not covered. A lot of those situations may get covered by flood insurance which is a completely separate policy.

#3 They will find, if you qualify, for other coverages

A lot of states have their own programs to help with aid after natural disasters. These can be things such as emergency housing, medical and financial help from a variety of nonprofits and government agencies.

#4 They know what you are entitled to according to your policy

Sometimes your policy may entitle you to temporary housing while they do the repairs on your home, food while you are displaced, etc. Your property damage attorney will review your policy and tell you what it entails.

These are just a few reasons to hire a property damage attorney. So if you or a loved one experienced a storm and had damages to their home, let us assist you. We know how stressful these situations can be and want to help relieve some of that added stress on you. Filing your hurricane claim sooner rather than later is recommended, so call and have our property damage attorney help you throughout the process.


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