888-843-8326 A hurricane can cause serious damage to your home and belongings, raising immediate questions about repairs and insurance coverage. When you have insurance, you expect the company to fairly evaluate the damage and honor the coverage you paid for.
Our hurricane damage lawyers serving Fayetteville can step in when that process does not go as expected. At CR Legal Team, we help people handle insurance companies when hurricane claims are denied, delayed, or valued for less than expected. Our personal injury lawyers serving Fayetteville understand that a major storm can affect much more than property.
Our Team has 600+ years of combined legal experience and has served more than 200,000 clients. We help people understand their policies and options. Our Team will listen, answer your questions, and help you decide what comes next. Call us today for a free consultation.
Our Hurricane Damage Attorneys Serving Fayetteville Will Help With Your Claim
An insurance dispute can become another problem at a time when you already have plenty to handle. You may have submitted photos, estimates, and other records only to learn that the insurer wants more information or does not agree with the amount of your loss.
CR Legal Team will take a close look at your policy and the insurer’s response. We can help by:
- Reviewing your coverage: We examine the policy, deductibles, exclusions, and limits that may apply to your loss.
- Documenting the damage: Our Team will review photographs, repair estimates, inventories, reports, and other evidence of what the storm damaged.
- Examining the insurer’s decision: We look at how the claim was investigated and why all or part of it was denied or underpaid.
- Handling insurance communications: We can communicate with adjusters and respond to requests involving the claim.
- Calculating covered losses: We consider the property damage and other covered costs that may be part of the claim.
- Challenging an unfair decision: When the evidence supports a different outcome, we can dispute the insurer’s position and discuss the legal options available.
North Carolina law identifies certain unfair claim settlement practices, including misrepresenting relevant policy terms, refusing to pay without a reasonable investigation, and failing to provide a reasonable explanation for a denial or settlement offer.
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Call 888-843-8326Why Hurricane Damage Claims Can Lead to Insurance Disputes
A hurricane can damage the same property in several ways. High winds may tear shingles from a roof, while heavy rain enters through an opening.
Failing trees can damage buildings, and rising water can cause additional losses. Sorting out what caused each part of the damage can become an important part of the insurance claim.
Disagreements may arise because an insurer:
- Says the damage existed before the hurricane.
- Disputes whether wind or water caused the loss.
- Estimates repairs at a lower amount than the property owner.
- Applies an exclusion or deductible that the policyholder questions.
- Says certain belongings or structures are not covered.
- Requests more proof of the loss.
- Pays for some damage but denies another part of the claim.
- Questions whether repairs or replacement are necessary.
What if the Insurance Company Offers Too Little?
You do not have to accept the insurer’s estimate without question. Keep contractor estimates, photographs, receipts, inventories, and other records showing the extent and cost of the damage. Our Team can compare that evidence with the insurer’s estimate and your policy’s terms.
North Carolina homeowners should also know that standard homeowners insurance does not cover flood or rising-water damage. Flood coverage is generally separate. That difference can become important when a hurricane causes both wind and water damage.
How Hurricane Insurance Claims Work in North Carolina
The claims process usually begins with the policyholder reporting the loss to the insurance company. The insurer may send an adjuster to inspect the property and ask for photographs, estimates, inventories, receipts, or other information.
Take photos and make a list of storm damage before making temporary repairs. Keep receipts for any work or materials needed to prevent further damage. Property owners should take reasonable steps to prevent further damage and keep receipts for those expenses.
After investigating, the insurer may accept the claim, deny it, or agree to pay only part of the requested amount. A disagreement does not always mean the claim is over. Our Fayetteville hurricane damage claim lawyers will review the decision and determine whether the policy and available evidence support challenging it.
Your Policy May Have a Special Hurricane Deductible
Some North Carolina policies have a special percentage deductible that may apply to hurricane damage. The deductible may be based on the insured value of the home rather than a set dollar amount.
This can mean the property owner has to pay more toward repairs than expected. Our Team will review the declarations page and other policy terms to explain which deductible the insurance company applied.
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Our Personal Injury Lawyers Serving Fayetteville are ready to help.
Contact CR Legal Team now and let us Stand Up for the recovery you deserve.
Call 888-843-8326What Hurricane Damage in Fayetteville May Be Covered by Insurance?
Coverage depends on the policy and what caused the loss. A claim could involve damage to the roof, siding, windows, doors, garage, fencing, or other covered structures. It may also involve damaged furniture, appliances, electronics, clothing, and other personal property.
Some policies may provide coverage for additional living expenses when covered damage makes a home unfit to live in. These costs could include certain temporary housing or other necessary expenses, which are subject to the terms and limits of the policy.
The source of the damage matters in these claims. This is one reason our hurricane damage attorneys serving Fayetteville may review the physical damage and the policy before determining how to address a disagreement about coverage.
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Find out what your case is worth in Fayetteville.
Contact CR Legal Team now and let us Stand Up for the recovery you deserve.
Call 888-843-8326Who Can Pursue a Hurricane Damage Claim in Fayetteville?
Homeowners are not the only people who may have hurricane-related insurance claims. Depending on the coverage involved, CR Legal Team may help homeowners, landlords, renters, and business or commercial property owners facing disputes with their insurers.
The person or business seeking payment generally needs an insurable interest or rights under the policy. A mortgage lender or another party may also have an interest in insurance proceeds.
Our insurance dispute lawyer serving Fayetteville can review the policy and other records to determine who has rights under the coverage and what losses may be claimed.
Do Not Wait Too Long to Address a Hurricane Damage Claim
Insurance policies may set deadlines for reporting damage, providing documents, or taking other steps in a claim. North Carolina law also generally provides a three-year deadline for certain contract actions under G.S. § 1-52.
The exact deadline can depend on the policy and the type of dispute. Our Team can review the claim and determine which deadlines apply.
Good News: CR Legal Team Can Handle Your Fayetteville Hurricane Damage Claim
Dealing with property repairs is challenging enough without also fighting over an insurance claim. Having an experienced Legal Team handle the dispute can take some of that work off your shoulders.
Formerly Crumley Roberts, CR Legal Team has been helping clients for over 35 years. We provide Whole-Person Legal Care™ guided by our values: Care Like Family, Listen To Learn, Do What’s Right.
Our Team will review your policy, explain the insurer’s decision, and handle the legal aspects of the dispute while you focus on getting your home or business back in order. We also travel for consultations when needed. We Stand Up For You®. Call today for a free case review.
