Hurricane claims are tricky. You need someone on your side, looking out for your best interests.

Let’s talk.

Call: 877-803-2897
Text: 817-203-0260

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Five reasons why you should not rely on the insurance company adjuster alone to handle your hurricane damage claim.

Free hurricane damage claim review: 877-803-2897

McDonald Law Firm helps residential and commercial property owners resolve first party insurance claim disputes. Our experienced insurance lawyers will review the language of your insurance policy, assess your damage and evaluate the reason for your insurance company’s decision. Rest assured, we’ll hold your insurance company accountable for the full extent of your policy’s coverage.

Their adjuster doesn’t work for you.

Insurance company adjusters work for, report to, and are paid by the insurance company. More importantly, they are trained to MINIMIZE your loss. There are a number of ways they accomplish this, including, but not limited to:

  • Adjusting for repair instead of replacement
  • Overlooking damage that you have not identified
  • Underestimating repair estimates

How can you protect yourself?

Start by creating a comprehensive list of items lost or damaged, including replacement value. Organize your list by type of damage (wind, flood, etc.) and room (kitchen, family room, etc.). Be sure to include supporting photos and videos. For large value items, like TV’s, include serial numbers if possible. Our home inventory checklist is a good place to start.

Their adjuster may not have experience with hurricane damage claims.

After a large scale disaster, insurance companies are in a rush to get claims resolved quickly. Often they’ll send in adjusters from around the country or even hire and train temporary workers to do the job. This leaves you at a disadvantage.

Look for licensed and insured contractors with hurricane claim experience to help you identify damage that the insurance company adjuster may have missed.

A contractor with hurricane damage experience will know how to spot unseen damage and identify whether it was caused by wind, water or flood. More helpful tips on hiring a reputable contractor.

Their adjuster will rely on the insurance company’s engineering report to assess structural damage.

During Hurricane Sandy, falsified or altered reports issued by a number of engineering firms were used to deny thousands of valid wind and flood damage claims. There were even instances of unlicensed engineers being used to asses claims. Don’t let this happen to you.

If you have significant structural damage and your claim is denied or underpaid, seriously consider getting a second opinion.

Our insurance lawyers work with experienced, independent engineers who will use the latest forensic testing methods to assess and identify the root cause of any potential structural damage. Contact us as soon as possible if your home or business suffered structural damage that requires an objective reassessment.

Their adjuster (and Xactimate) may not account for skyrocketing construction costs in your area.

In the wake of a natural disaster, basic economic laws of supply and demand go into effect. This means that the prices for construction labor and materials will likely go up, sometimes by as much as double.

With that in mind, your insurance company adjuster will most likely rely on a software called Xactimate to calculate your repair costs. Because Xactimate’s pricing model is based on a median survey, it may or may not reflect current market conditions in your area. For example, if your property is custom-built, historic or located in a high value area, Xactimate’s numbers may not represent the actual cost of repairing and replacing your specific damage. Don’t leave money on the table.

Get estimates from at least three licensed and insured contractors in writing.

It is imperative that you get at least three estimates for repairing your property damage from licensed and insured contractors who have experience with hurricane damage repairs. An experienced local construction professional will have a realistic understanding of the materials, time and labor costs needed to repair your damage.

Hurricane claims are tricky. You need someone on your side, looking out for your best interests.

Filing an insurance claim often requires more time and energy than people realize. Insurance policies are full of rules to follow and deadlines that must be met. Any omission or misstep on your part could significantly lower your payout. Plus, your hurricane damage claim can get really complicated, really fast. Take these common claim issues for example:

  • Was the damage really caused by wind or was it storm surge?
  • How much of your damage was caused by rain vs. flood water?
  • Was the damage caused by a previous storm?

Consider hiring an experienced insurance lawyer if:

Let’s talk.

Call: 877-803-2897
Text: 817-203-0260

  • This field is for validation purposes and should be left unchanged.
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