What to Do After Your Property Is Damaged in a Texas-Sized Storm
Storms in Texas can come out of nowhere. The wind, lightning, rain, and hail that often accompany storms in the Lone Star State can do some serious damage in a short period of time. Often, you don’t have a chance to prepare. As a homeowner, even if you do try to brace your property for the storm, damages can still happen.Many homeowners believe that their homeowner’s insurance will cover the cost of the damages from storms. When they are denied or are only given a portion of what it costs to make significant repairs, homeowners are left stunned and feeling helpless.
What Happens When Homeowner’s Insurance Won’t Cover Storm Damages
Insurance adjusters, agents, and appraisers go to great lengths to protect the bottom line of the companies they work for. This rarely plays out well for homeowners. If your home experienced significant property damage and your homeowner’s insurance refuses to pay for some or all of the damage, it might be time to seek legal advice.
Here are a few of the ways having a lawyer on your side through the insurance claims process might be able to help:
- Your attorney can find pockets of money available to you. Sometimes insurance adjusters overlook certain items in your policy. Other times, they knowingly exclude these items in hopes that you will not realize that you were entitled to certain funds. The bottom line is that you can’t get compensated if you don’t know where to look. A lawyer helps you find those pockets of money.
- Your attorney can help you file a timely claim. Unless your policy states otherwise, there is no time limit on when you can file a claim. Most homeowner’s claims in Texas state that you must act in a “prompt” manner. This is determined on a case-by-case basis. Having a lawyer to defend your side can make a tremendous difference in the outcome of your case.
- Your attorney can represent your side of the story. You’re facing a lot right now. From trying to repair your damaged property to juggling multiple bills, you’re under a tremendous amount of pressure. With a lawyer on your side, you have one less thing to think about. Your lawyer will defend you against the insurance companies so you can focus on repairing your home.