It is one of the common questions asked by many homeowners following Hurricane Irma. Can I file an insurance claim if there was previous damage to my house? First, it is important to remember it is perfectly fine to file a claim. But once a claim is submitted, it is up to the insurance company’s adjusters to properly assess the amount of damage. In most of these cases, the adjuster will have to separate which hurricane damage was actually caused by the storm as opposed to any previous damage.
What You Can Expect?
Unless you are a professional insurance adjuster, it can be extremely complicated to determine the amount of compensation for your hurricane damage. To make things even more complex, some water damage may not be covered by your homeowner’s insurance. If you don’t have flood insurance, you could face tremendous difficulties. During the assessment process, homeowners can expect insurance adjusters to ask plenty of questions. It is vital to answer each question with complete honesty. Some people make the mistake of embellishing, exaggerating or even flat out lying to the insurance company. Not only could it adversely affect your settlement, it is also against the law and could result in insurance fraud.
Types of Water Damage
Perhaps the most serious type of damage to your property from a windstorm is water damage. Once water penetrates your home, it can ruin your flooring and any personal possessions. But not all types of water damage are the same. For example, there is no such thing as pure rain damage. It must be the result of a severe thunderstorm or a windstorm. When assessing water damage, an insurance adjuster will have three basic questions:
- How did the water damage occur?
- What type of water damage took place?
- What was the source of the water damage?
Many homeowners make the mistake of not including any damage previous to the storm. You may still be eligible for public assistance. Unless the homeowner had previously filed a claim, it did not bother to get their repairs completed. When filing any type of homeowner’s insurance claim, it is essential to be as detailed as possible. Provide any receipts, photos, videos, serial numbers or any kind of documentation of lost and damaged items. It is important to understand any previous damage should not affect your eligibility for federal aid if your home is damaged in a hurricane.
Has Your Hurricane Damage Claim Been Underpaid or Denied? The legal team at Korin Law, P.A. Can Help
It only takes one hurricane to destroy everything you have worked hard to earn. When the time comes to file an insurance claim, it is vital to receive the maximum compensation to account for your damages and losses. Unfortunately, not all insurance companies play by the rules. If your claim has been underpaid or denied, it is time to seek representation from an experienced and knowledgeable legal professional. Miami insurance claims lawyer Jonathan Korin understands the challenges of dealing with insurance companies. He and his legal team work diligently both in the courtroom and behind the scenes to help each client resolve their insurance problems. Over the years, Korin has utilized an aggressive and comprehensive approach to help place clients in the best position to succeed. To learn, more contact his Miami law office today to schedule a case evaluation.