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What To Do If Your Hurricane Insurance Gets Denied?

What to Do if Your Hurricane Insurance Gets Denied?

Although they are not an everyday problem, hurricanes can cause major amounts of damage and pose a serious threat to residential buildings. Hurricane insurance was created with the intention to help people who have suffered from a hurricane, however, this doesn’t always happen.

After a hurricane, your house will be inspected for related damages. Unfortunately, this inspection doesn’t always go as expected; the result being that the damage was there previous to the hurricane. They can claim that the damage is due to lack of maintenance, gradual wear and tear or damage from lack of minor repairs after the loss. This can be quite a disheartening situation and leaves the family in a tough position. It is important to know what to do if your hurricane insurance is denied.

Stay Calm

Although there are likely a number of emotions and thoughts running through your head, it is important to remain calm and stay level-headed. Staying calm will allow you to make rational decisions and not make any unnecessary mistakes.

Many people have different tactics for staying calm, but some general ones are taking deep breaths, getting fresh air or going for a walk.

Take A Second Look at Your Insurance Coverage

Denial of your hurricane claim is a big deal that should not be taken lightly. Be sure to take another look at your insurance coverage to see if there was a mistake or oversight. Although this is rare, it could be possible.

Bring in a Professional

If you truly feel like the damage was not preexisting, you may want to call in a professional contractor. It never hurts to have another set of eyes assess the damage, especially when they’re the eyes of a trained professional. Many contractors will give you a free inspection or quote, which makes this a cheap and convenient option.

Consider Going to Court

Although this is an expensive option, it may be the best option depending on the amount of damage that has been done to your house. There are a number of property insurance attorneys in Florida that specialize in hurricane damage. These attorneys can help you make the most out of your situation.

Be Objective

Although it may be difficult, being objective is completely necessary if your hurricane insurance has been denied. Chances are, the inspectors that the insurance company sent over are also trained professionals who know how to properly assess hurricane damage. If you do not feel like you did everything in your power to prevent the damage, you may have to be honest with yourself and cut your losses. However, this is not an entirely bad outcome; it leaves you with the valuable experience and insight that will allow you to properly prepare for the next hurricane.

Those that live in areas that are prone to hurricanes know how important hurricane insurance can be. However, many of them also know the struggle that comes with having your hurricane insurance claim denied. It is important to take all of the necessary steps to avoid getting your hurricane insurance claim denied.

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