A number of areas throughout the southern United States are prone to hurricanes. These hurricanes can cause enormous amounts of damage to residential homes and personal belongings. Thankfully, hurricane insurance is offered in most of these areas. Hurricane insurance was created to help families and homeowners who have suffered a loss in a hurricane. However, there are a number of rules that come with hurricane insurance. You can expect to see a denial of your hurricane insurance if the damage was caused by a lack of property maintenance, wear and tear over time. or issues that existed before you even bought the property. There are a number of things that homeowners can do to avoid having their hurricane insurance claim denied.
Maintain Nearby Trees and Foliage
If you have any old trees near your house, it is a good idea to make sure all of them are being properly maintained. Be sure to trim protruding branches that are close to your roof, windows or any other delicate parts of your home. This will minimize the chances of them getting damaged by a stray branch. If there are any trees that appear to be rotten, it is best to have them removed. Heavy winds and rotten trees make for a terrible combination; a tree falling on your house can cause thousands of dollars in damages.
Get Your Roof Inspected
The roof is one of the areas that can see the most damage in a heavy wind storm. Heavy winds are known to rip off shingles from the roof or bricks from the chimney. It is best to get your roof inspected regularly to avoid any hard to see the damage. It will also minimize the chances of the insurance claim getting denied, as you would have been doing your due diligence as a homeowner. Many roofing contractors will do roof inspections for free or at a very low price, so it is never a bad idea to schedule an inspection.
Take Photos Before the Hurricane
Most people will take photos after the damage has been done, however, it is a very good idea to have some photos of your house prior to any damages. If it is possible, time stamp the video. This will give you a proof of how your house looked prior to the hurricane. This can be a make or break when dealing with hurricane insurance, as the insurance company will often claim that the damage was there prior to the storm.
People who live in areas that are prone to hurricanes know that they are no laughing matter. Hurricanes can cause serious damage to homes, belongings, and people. It is important to make sure that you are prepared for a hurricane and that you have done everything in your power to not let it get denied. If your hurricane insurance claim does get denied, there are a number of insurance attorneys in Miami that specialize in hurricane insurance disputes.