{"id":1154,"date":"2015-07-23T04:22:40","date_gmt":"2015-07-23T04:22:40","guid":{"rendered":"https:\/\/brasherattorney.com\/?page_id=1154"},"modified":"2021-10-15T17:22:22","modified_gmt":"2021-10-15T22:22:22","slug":"flood-wind-damage","status":"publish","type":"page","link":"https:\/\/brasherattorney.com\/flood-wind-damage\/","title":{"rendered":"Flood & Wind Damage"},"content":{"rendered":"

Has a Hurricane Caused Wind or Flood Damage to Your Property?<\/h3>\n

Residents of Texas and Louisiana 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<\/a>: 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.<\/p>\n

Our Texas and Louisiana hurricane damage attorney, Clint Brasher, has a number of credentials, including an AV Preeminent\u00ae rating from Martindale Hubbell\u00ae. Additionally, he has been included in the list of Top 100 Trial Lawyers and Super Lawyers<\/em>\u00ae\u00a0Rising Stars<\/em>™. 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.<\/p>\n

The Confusion of Flood vs. Wind Damage<\/h3>\n

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.<\/p>\n

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.<\/p>\n

Do I Need to Purchase Flood Insurance?<\/h3>\n

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.<\/p>\n

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Use the following guidelines to determine if you are entitled to payment:<\/h5>\n<\/div>\n