How to Avoid an Insurance Claim Denial After Severe Storm Damage

Summer is nearly here. Along with warmer temperatures comes the potential for severe storms that can wreak havoc on your home and surrounding property. With home insurance, you have the necessary means to make repairs should damage occur.

3 Tips for Avoiding an Insurance Claim Denial After Storm Damage

Even the best home insurance companies can deny valid claims. Some insurances may deny a claim in full or in part. To help prevent any form of claim denial after severe storm damage, here are some tips.

1. File Your Claim as Soon as Possible

Most insurances require you to file your claim within 30 days to a year, depending on the insurer. A claim even a day past the statute of limitations is ripe for denial. Call your insurance company quickly after the damage occurs to avoid being late. If you’re not sure what your insurer’s statute of limitations is, ask.

2. Do What You Can to Mitigate Further Damage

Many insurers will partially or fully deny a storm damage claim due to a lack of damage mitigation. For example, if a tree falls on your home and damages your roof, and you do nothing to prevent further damage, your insurer may state they’re off the hook for some liability.

To protect yourself from this type of denial, do what you can to prevent further damage by placing tarps over damaged roofs and cardboard over broken windows.

3. Take Photos and Document the Damage

As you survey your home for damage, take photos and notes, documenting the damage. This will ensure you don’t forget anything while reporting your claim. It’s also a good idea to have proof of the damage for payment and if your insurance continues to deny your claim, acting in bad faith.

Even After These Tips, Your Insurance Company May Still Act in Bad Faith

No matter how much effort you put into preventing a claim denial, your insurer may still act in bad faith. They may deny your claim, refuse to pay in full or cancel your policy. If you feel your insurer acted in this way, we recommend reaching out to an attorney. To learn more about bad faith insurance claims, give us a call at 972-450-1418 or send us a message.

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