Maximizing Wind Damage Claims

At Vargas Gonzalez Baldwin Delombard, our lawyers, backed by years of experience and a wealth of resources, use their expertise in wind damage claims to help you recover maximum compensation and protect your rights. Our team includes experts in insurance law, property damage assessment, and negotiation, ensuring you have the best possible representation for your wind damage insurance claim.

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Understanding Wind Damage Insurance Coverage

Most homeowner insurance policies include coverage for wind damage, but the specifics can vary depending on the location of the property and the insurance provider. For instance, these policies cover damage caused by wind, such as torn roof shingles, broken windows, and downed tree limbs. However, there are often distinctions between hurricane-induced wind damage and wind damage from other types of storms, which can affect the deductibles and limits of coverage.

Hurricane insurers calculate deductibles as a percentage of the policy limits, ranging from 1 to 5 percent. The deductible could be higher if a hurricane causes damage than other claims. 

Deductibles and Understanding Your Policy

In hurricane damage, you could face a higher deductible than other claims. For example, if your policy limit is $ 100,000 and your deductible is 2 percent, you would be responsible for the first $2,000 of the claim. Review your policies and understand these details before a storm hits to prepare for the potential financial implications of a wind damage claim.

Wind damage claims lawyers play a crucial role in helping home or business owners understand the policy language and requirements. They will also provide options concerning your claim, negotiate with insurance companies on your behalf, and represent you in legal proceedings if necessary. Their expertise and experience can increase your chances of a successful claim.

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Steps to Take After Wind Damage

There are steps a homeowner can take to make the claim outcome better based on the policy requirements, including the following:

  • Safety First: Ensure that it is safe to inspect the damage. Avoid areas with downed power lines or structural damage that could be hazardous.
  • Document the Damage: Take comprehensive photos and videos of all damages. This visual evidence is critical for supporting your claim.
  • Report the Damage: Contact your insurance company to report the damage. Prompt reporting helps faster processing and prevents further damage that could be considered negligent behavior.
  • Prevent Further Damage: Take reasonable steps to prevent additional damage, such as covering broken windows with plastic sheets or moving undamaged property away from exposed areas. Keep receipts of any expenditures related to these temporary repairs.
  • Review Your Insurance Policy: Familiarize yourself with the terms regarding wind damage, deductibles, and coverage limits. This knowledge will aid in discussions with insurance adjusters.
  • Prepare for the Adjuster’s Visit: Compile all documentation related to the damage and your claim, including any receipts for expenses due to the incident.

Problems With the Claims Process

We understand that the insurance adjuster's assessment can be a significant hurdle in the wind damage claims process. Adjusters who work for the insurance company may underestimate the extent or cost of repairs, leading to inadequate settlement offers. We know that homeowners may need to negotiate or seek a second opinion from an independent contractor to verify the scope of the repairs. Our wind damage claims lawyers are here to help you navigate this process and ensure you receive a fair settlement.

Another challenge is the lengthy processing time for claims after widespread disasters like hurricanes. Delays can be difficult for homeowners eager to restore their homes and return to normalcy. Wind damage claims attorneys will do all they can to accomplish this.

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Legal Considerations and External Support

If disputes arise, homeowners have various options. Engaging public adjusters or attorneys specializing in insurance claims can provide leverage to challenge low settlements.

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Vargas Gonzalez Baldwin Delombard

The Vargas Gonzalez Baldwin Delombard Law Firm wind damage lawyers are always ready to assist you. We know the local environment and laws, which are crucial in handling wind damage claims.

At Vargas Gonzalez Baldwin and Delombard, we are committed to fighting for your rights. We refuse to let you succumb to the tactics some insurers may employ to delay, dispute, or deny insurance claims.

Each case is unique, and we dedicate our resources to research and resolve them. Schedule a free case review, and let us support you through this challenging time. Remember, we work on a contingency basis, meaning you do not pay until you win.

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