888-843-8326 To file an insurance claim for storm damage, you will need to properly document the damage and ensure you meet your insurer’s requirements and deadlines. It’s important to understand that insurance claims for storm damage may be denied, but that doesn’t mean you are out of options.
If you are preparing to file a storm damage claim or have been denied, a Raleigh insurance dispute lawyer from CR Legal Team can help. We Stand Up For You®.
What Types of Storm Damage Can You File an Insurance Claim For?
The first step for filing a storm damage insurance claim is to understand which policy covers the damage that occurred. Different types of insurance will typically cover different types of damage.
Wind Damage
Your standard homeowners’ insurance typically covers wind damage. It encompasses damage claims for things like:
- Roof damage: This includes structural issues covered by the storm as well as missing shingles or gutter damage.
- Siding damage: Damage to outside walls and siding.
- Windows: Broken windows.
- Wind–induced water damage: Damage to ceilings, walls, and floors caused by gusts of wind forcing rain through broken windows.
- Tree damage: If a tree is uprooted or a limb breaks and it causes damage to your home.
- Living expenses: If you need to stay at a hotel while your home is uninhabitable, you may be able to recover the costs of lodging and food.
Flood Damage
With the previously mentioned exception of wind-induced water damage, most water damage related to a storm will not be covered by your standard homeowners’ policy. Instead, you must have separate flood insurance. Flood insurance generally covers damage like:
- Flooding and surface-level water damage.
- Water surge damage.
- Structural issues, such as cracks in the house’s foundation, due to soil saturation.
What policies cover flood damage is one of the more frequently asked questions about homeowners insurance. After you understand which policy covers your damage, the next step is to gather documentation for your claim.
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Call 888-843-8326Documenting Storm Damage for Your Insurance Claim
The ability to recover fair compensation in an insurance claim often rests on having the proper documentation. Many claims are denied for lack of evidence. To avoid this happening to your claim, you should ensure you have these types of documentation:
Visual Documentation
Take photographs and videos of the damage. You should take both close-up and wide shots of the damage, ensuring that you also have multiple angles.
While it makes sense to concentrate on more serious damage, don’t overlook areas of smaller damage. For example, a cracked window may show where water came into the house.
Record of the Damage
Take an inventory of everything that has been damaged and write it down. Try to remember how old the damaged items are and their value when you bought them. For appliances and technology, write down the serial numbers as well. You should also hang onto damaged items until the insurance adjuster has seen them.
In addition, keep copies of all receipts related to out-of-pocket expenses. For example:
- Hotel receipts.
- Receipts for meals eaten out while you were unable to cook at home.
- Receipts for any items that needed to be replaced immediately.
Professional Documentation
Have a professional look over the damage and give you an estimate for repairs. This can be helpful if an insurance adjuster offers a lowball estimate for repair costs.
A storm damage lawyer from CR Legal Team can help you document the damage and your expenses related to it.
Understand the Deadline for Submitting Your Storm Damage Insurance Claim
The exact deadline for submitting your claim will depend on your specific insurance policy. After a storm, you should review your policy as soon as possible to ensure you understand the timeframe for your claim.
The deadline for filing a storm damage claim depends on your specific policy’s terms. Many policies contain suit limitation clauses, so reviewing your policy as soon as possible after a storm is essential.
If you hire a lawyer, such as one from CR Legal Team, then they will ensure you meet any required deadlines for your claim.
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Call 888-843-8326How Can a Storm Damage Lawyer Help With Your Insurance Claim?
A storm damage lawyer can take on the entire process of your insurance claim. Storm damage can turn your beloved home into a nightmare. You’re likely worried about making your home habitable again, but also about the seemingly endless costs of doing so.
Recovering fair compensation from an insurance claim can take away the financial stress, but the insurance process can be complicated.
When a lawyer steps in, they can:
- Gather all necessary documentation.
- Ensure paperwork is complete, accurate, and filed on time.
- Handle all communication and negotiation with the insurance adjuster (or adjusters if multiple policies are in play).
- Handle the appeal process if your initial claim is denied.
- Offer guidance on any settlement offers you receive.
- Represent your case in court, if needed.
CR Legal Team’s lawyers practice Whole-Person Legal Care™. This means they approach every case with empathy and dedication.
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Find out what your case is worth.
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Call 888-843-8326Good News: CR Legal Team Can Help With Your Insurance Claim for Storm Damage
Wondering how to file an insurance claim for storm damage? The process involves clear documentation, proper record-keeping, and filing the claim within any required deadlines. At CR Legal Team, our storm damage attorneys are here to help.
We will handle the entirety of your claim, including appeals if it is denied. Reach out today to get started on your case with a free consultation.
