Filing Two Claims in One Hurricane Season

Experiencing two storms close together can be devastating for property owners. Not only do they face the immediate challenges of cleanup and repairs, but they also need to navigate the complexities of insurance claims. If you’ve found yourself in this situation, understanding how to document and protect your property insurance claim is crucial.

The Importance of Pre- and Post-Storm Documentation

When dealing with multiple storms, it’s essential to have a clear record of your property’s condition before and after each event. This documentation can help prevent insurance companies from disputing the cause of damage or attempting to apply multiple deductibles.

Potential Insurance Company Tactics

Insurance companies may try to deny or reduce coverage by claiming:

• Pre-existing damage. The insurer might argue that damage from the second storm was caused by pre-existing conditions from the first.
• Wear and tear. Insurance policies often exclude damage caused by normal wear and tear.
• Multiple storms. The insurer could attempt to apply separate deductibles for each storm, increasing your out-of-pocket costs.

How to Protect Your Claim

To strengthen your claim and increase the likelihood of fair compensation, consider the following steps:

1. Document before the storm. Take photos and videos of your property’s exterior and interior to establish its condition before any storms.
   
   1. What Is a Contents Inventory List and Why Do You Need One?
   2. Guide: How to Prepare Yourself for a Property Damage Claim Before a Hurricane Strikes
2. Inspect and document after each storm. Conduct a thorough inspection of your property and document all damage, including photos and detailed notes.
3. Gather supporting evidence. Collect any relevant documentation, such as previous appraisals, inspection reports, or repair records.
4. Consult with an experienced attorney. A property insurance attorney can help you understand your rights, navigate the claims process, and advocate for fair compensation.
   
   1. Why You Need Attorneys That Handle Insurance Claims: The Comprehensive Guide
   2. Why You Need an Insurance Attorney on Your Side

The Role of a Property Insurance Attorney

At The Professional Law Group, our experienced attorneys are dedicated to helping property owners recover the full value of their insurance claims. We conduct thorough inspections, gather evidence, and negotiate with insurance companies to ensure you receive the compensation you deserve.

If you’re struggling to make progress with your insurance company after experiencing multiple storms, don’t hesitate to contact The Professional Law Group.

1. Why Would a Property Insurance Claim Be Denied?
   
2. 4 Signs the Insurance Company Underpaid Your Property Damage Claim and What to Do About It
3. Why You Should Get Your Own Property Damage Estimate

Our experienced attorneys can review your case, provide expert advice, and fight for the compensation you deserve.

Contact us today for a free consultation.