Insurance companies are to help policyholders recover financially, but they don’t always live up to their end of the bargain, especially in the event of natural disasters. They just leave you scrambling, trying to recover from all the damages at hand.
Natural Disasters in Rhode Island
There are various natural disasters that can occur in Rhode Island in any given season. These include, but are not limited to:
- Tropical Storms
- Hurricanes
- Flooding
- Nor’easters
- Winter Storms
- Tornadoes
Each natural disaster carries its own set of risks and can cause different types of damage to your home or business. That is why it is important to have the right insurance in place to protect you from financial loss.
If you have any questions about your coverage or need help filing a claim, our team of experienced insurance professionals at PALUMBO LAW is here to help.
Common Natural Disaster Insurance Claims
The most common natural disaster insurance claim is structural damage to properties. This can include things like collapsed roofs, water damage, and broken windows. Other common types of damages include:
• Contents damage
This covers the damage to your personal belongings that are inside the home or business, such as furniture, electronics, and clothing.
• Business interruption
This covers the loss of income you suffer if your business is closing due to property damage from a natural disaster.
• Additional living expenses
This covers the extra costs you incur if you have to live outside of your home while under repairs, such as hotel bills and restaurant meals.
Make sure you understand what types of damages your insurance policy covers in preparation for natural disasters.
Making Insurance Companies Accountable
If you’re dealing with an insurance company after a natural disaster, there are a few things you can do to hold them accountable and help ensure you get the coverage you’re entitled to.
1. Understand your policy
The first step is to understand your insurance policy. What does it cover? What are the limits? Make sure you know this before you start dealing with the insurance company and RI flood insurance.
2. Keep good records
Keep meticulous records of everything related to the disaster and your property damage. This includes things like photos, receipts, and estimates.
3. Be persistent
If you feel like the insurance company is dragging its feet or not living up to its obligations, be persistent. Keep contacting them and following up. Don’t let them brush you off.
4. Hire an attorney
If you are still not getting anywhere with the insurance company, you may need to hire an attorney from PALUMBO LAW. An experienced lawyer can help you navigate the claims process and make sure you get the compensation you deserve.
It’s important to know your rights and be persistent when dealing with insurance companies after a natural disaster. By taking these steps, you can help ensure you get the coverage you’re entitled to.
How Can Property Damage Lawyers Help?
If your insurance company is giving you the run-around after a natural disaster, there are a few ways a property attorney RI can help you file your claim.
1. Review Your Policy
An attorney can review your insurance policy to make sure you understand what coverages you have and have not. He or she can also help identify any potential loopholes the insurance company might try to use to deny your claim.
2. Gather Evidence
Your attorney can help gather evidence to support your claim, including photos, receipts, and expert testimony.
3. Negotiate with the Insurance Company
If the insurance company denies your claim or offers a low settlement, your attorney can negotiate on your behalf to try to get you the compensation you deserve.
4. File a Lawsuit
If necessary, your attorney can file a lawsuit against the insurance company to help you recover the money you’re entitled to.
Don’t try to deal with the insurance company alone after a natural disaster. An experienced attorney can help you understand your rights and make sure you get the coverage you’re entitled to.
Whether you are trying to claim NFIP emergency program coverage or think ahead by getting RI flood insurance – working with a property attorney in RI is the best way to ensure the coverage of your interests.
Contact PALUMBO LAW property damage lawyers now and get your deserved insurance.