Has a Hurricane Caused Wind or Flood Damage to Your Property?
Residents of Texas know too well that hurricanes can be severely destructive. Insurance companies know this as well, and are adept at finding ways to maximize their profits. One of the ways in which they accomplish this is by capitalizing on the confusion between the two most common categories of hurricane damage: wind and flood. At Brasher Law Firm, PLLC, we have the experience and knowledge you need to help you determine the coverage you are entitled to in order to receive a fair settlement.
Our Texas hurricane damage attorney, Clint Brasher, has a number of credentials, including an AV Preeminent® rating from Martindale Hubbell®. Additionally, he has been included in the list of Top 100 Trial Lawyers and Super Lawyers® Rising Stars™. This means that when you retain the representation of our firm, you can feel confident that your case will be handled with the aggression and proficiency it deserves.
The Confusion of Flood vs. Wind Damage
A traditional homeowner’s insurance policy contains wind coverage but excludes flood coverage. As flood insurance is primarily governed by federal law as a national measure of disaster relief, flood damage coverage is generally purchased separately from a homeowner’s policy. Insurance providers will take advantage of this when investigating storm damage in order to deny or reduce payments. It is in the best interest of adjusters to find that your property damage was primarily caused by flood damage, as they might not be responsible for covering it.
It is important to remember that you can have wind damage and flood damage. While your home might have sustained substantial flood damage, hurricane force winds are strong enough to cause substantial wind damage as well. Remember, when you are dealing with your windstorm adjuster, point out the wind damage by looking at the roof, ceilings, attic, insulation, and other clues for water intrusion.
Do I Need to Purchase Flood Insurance?
The easiest way to avoid an insurance company minimizing a settlement because of flood damage is to ensure that you purchase flood insurance in addition to your homeowner’s policy. There are, however, instances in which your flood damage may be covered under homeowner’s insurance.
Use the following guidelines to determine if you are entitled to payment:
- Water source – where did the water come from? If a mainline or pipe broke inside your house, you might be covered under your homeowner’s policy.
- Wind – the damage to your home may have been damaged by rain that was wind-driven, or that fell through an intrusion caused by wind.
- Policy wording – familiarize yourself with the way your policy defines “flood,” as you may be able to assert that the damage was not actually flood-related. Additionally, the wording of your policy may be vague or unclear in regard to its exclusions for flood damage, which may help your case.
Don’t Be Manipulated by an Insurance Provider
Insurance agencies count on your confusion over the difference between wind and flood damage following a hurricane. However, when you have the credentials and experience of a Beaumont bad faith insurance attorney on your side, you can face providers with confidence. We will help you analyze the damage to your property and the insurance policies that you’ve purchased to determine and fight for the compensation that you deserve.
It is the mission and top priority of Brasher Law Firm, PLLC to see you succeed. Thus, we work on contingency fees only, which means you will not pay us a penny unless we recover for your case. Furthermore, when you retain our representation, you will work directly with your lawyer so that we can build a personalized, aggressive case on your behalf. You have nothing to lose by getting started; fill out a brief form for your free case evaluation today!
After the hurricane my life as I knew it had totally changed stressing day after day especially the rainy days those where the worse when it rained outside it rained inside my dream house Falling Apart Right Before my eyes…you know the saying when it rains it pours not only did I have to deal with that at the same time I was diagnosed with Breast Cancer and had two small kids this was there home.. I am truly grateful that I was recommended to go to Brasher Law Firm having someone to truly listen and let me know everything was going to work out. At the time I knew nothing about filling a lawsuit but Clint Brasher and his staff was truly a blessing to me and my family it has been a long journey but they were with me every step of the way and I am forever grateful.LaTosha Lewis homeowner in Beaumont, Texas
The insurance company refused to pay for most of our damage because they said our foundation had ‘settled.’ I tried to explain that the damages we had did not exist prior to the storm. They replied with a report of an engineer that explained all of our damage from ‘settlement’ or ‘soil movement.’ We did not know what to do. When we hired Clint Brasher, he had a team of experts at our home within days that countered the insurance company’s experts. With the assistance of The Brasher Law Firm’s expertise, we were paid for all of our damage.Ray and Gracie QuaveVidor, Texas