Securing Fair Compensation for Storm Damage

A storm damage lawyer, backed by the experience of the Vargas Gonzalez Baldwin Delombard Law Firm, can provide you with the necessary insight to obtain adequate compensation. We dedicate ourselves to overcoming insurance barriers to help you receive fair treatment after facing damages you cannot pay for. For instance, we have represented clients in cases involving severe roof damage, structural problems, and flooding, securing them the compensation they deserved.

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The Nature of Storm Damage

Certain geographical locations make them vulnerable to hurricanes, tropical storms, and other severe weather events. These can result in extensive property damage, ranging from roof damage and broken windows to more severe structural problems and flooding. Secondary issues such as mold, electrical hazards, and weakened building integrity contribute to the initial damage. For example, a hurricane can cause significant roof damage, leading to water leaks and mold growth, further weakening the building's structure.

Steps to Take After Storm Damage

Document the Damage

As a property owner, it's crucial to document all damage as soon as it is safe. Take photographs and make videos, create detailed lists of damaged and lost items, and record structural damage.  Documentation is not just necessary; it's essential for insurance claims and possible legal action.

File a Claim

Make sure you know what types of damage your insurance policy covers and how to make a claim. You should file damage reports on time and comply with any specific requirements. Some policies are difficult to understand, and having a legal representative can help ensure compensation.

Report the Damage to Your Insurance Company

You are required to report the damage to your insurance company without delay. A delay in the notification can lead to a claim denial. It's important to note that the longer you wait to report the damage, the more difficult it may be to prove that it was caused by the storm and not by some other event. Your legal representative can tell you how long you must file and help you do it on time.

Prevent Further Damage

Property owners must often take reasonable steps to prevent additional damage while waiting for an insurance adjuster. Mitigation may include covering broken windows to prevent rain from entering, removing water to prevent mold growth, and securing the property from theft or vandalism. These actions protect your property and also demonstrate to the insurance company that you are taking responsibility and trying to minimize the damage, which can strengthen your claim.

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Insurance Claims and Disputes

Disputes can arise over the cause of the damage, the cost of repairs, and the interpretation of insurance policy terms. Property owners facing such disputes may need to consult a storm damage lawyer and an adjuster to evaluate their claims.

  • Hiring a Public Adjuster: Public adjusters can provide assistance by evaluating the property damage and helping negotiate with insurance companies. However, public adjusters charge a percentage of your insurance claim payout, which can significantly reduce the amount of money you receive for repairs and recovery. Some public adjusters may lack the experience or expertise to handle complex claims, potentially leading to undervalued settlements.
  • Seeking Legal Representation: Legal representation may be necessary if an insurer refuses to pay the claim or gives a low-ball estimate. A lawyer specializing in storm damage and insurance law can guide you through mediation or litigation. Arbitration is another method of resolving the claim, where a neutral third party makes a binding resolution.
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How Storm Damage Lawyers Can Help

Attorneys play a critical role in ensuring property owners receive fair treatment from insurance companies. Legal experts can help in several ways, including:

Evaluating the Claim's Validity

Lawyers can assess the insurance policy and the damage to determine the claim's validity.

Assisting with Claims

From filing claims within predetermined deadlines to negotiating with insurance companies, a storm damage lawyer can manage the entire process, alleviating the burden on storm victims.

Assessing Legal Rights and Coverage

A lawyer can help clarify the extent of legal rights and insurance coverage, assisting clients to understand their protection under their policies.

Negotiating with Insurance Companies

Experienced attorneys can handle negotiations with insurance companies, advocating for a fair assessment and settlement. The attorney may take the case to court if the insurer fails to comply with its contract.

Representing Clients in Court

The storm damage attorney can represent the property owner in court, presenting evidence of damage and arguing for rightful compensation. The insurer will take the attorney’s ability to litigate a claim as a strong indicator of their client's possibility of success. If the attorney is experienced and successful in litigating cases, the insurer may be more apt to settle for a fair amount.

Offering Guidance on Mitigation and Recovery

Beyond legal disputes, lawyers can advise on actions to mitigate further damage, compliance with local regulations during rebuilding, such as obtaining the necessary permits and following building codes, and how to secure assistance from governmental disaster recovery programs. Non-compliance with these regulations can lead to fines, delays in the rebuilding process, or even the denial of insurance claims, so it's important to understand and adhere to them.

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Vargas Gonzalez Baldwin Delombard Are Here When a Storm Hits

When a storm hits, you and your family don't have to face the aftermath alone. The Vargas Gonzalez Baldwin Delombard Law Firm will be by your side, providing the unwavering support you need from start to finish. Contact Vargas Gonzalez Baldwin Delombard Law Firm online today. 

The complexity of insurance claims and the unscrupulous practices of some insurance companies can make obtaining compensation challenging. At Vargas Gonzalez Baldwin Delombard, we are committed to fighting for your rights. Our excellent track record speaks for itself, and we will not rest until you receive the compensation you deserve. Schedule a free case review, and let us help you through this stressful time. Remember, we work on a contingency basis, so we don’t get paid until you win.

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