Call Us At: 713-547-5460
People who haven’t read their insurance policies carefully sometimes believe a general policy covers any weather-related harm. Not until their home suffers storm damage do they learn that’s not the case. A standard homeowner’s policy does not cover flooding and may not cover wind damage. While homeowner’s insurance will cover the cost of repairing water damage from rain and water that blows in through windows or comes in through the walls, a standard policy will not cover water damage that comes from the ground. This includes damage originating from an overflowing body of water or a sewer. After Hurricane Katrina, state courts were inundated with lawsuits where judges had to inspect photos and other physical evidence to try and determine whether the damage had been caused by windblown water or flooding. This is why it’s crucial to purchase flood insurance to supplement your standard homeowner’s policy. Likewise, not all homeowners policies cover wind damage. Checking your policy now can save you a great deal of money and headaches later.
Try to wait for the insurance adjuster to come by before you start substantial repairs. It may take weeks for the adjuster to arrive after a large storm, and insurance companies expect you to begin mitigating your damages as soon as reasonably possible to prevent them from getting worse. But before beginning repairs, be sure to take photos of all the damaged areas as they appeared right after the storm (including all the debris), and keep receipts for everything you purchase in connection with the repairs.
Homeowner’s insurance covers damage to homes and any structures built on surrounding property, whether the affected property belongs to you or a neighbor. If the tree doesn’t damage any property but only leaves a mess in the yard, you’re generally on your own to cover most of the cost of cleanup.
If you’re having trouble getting your homeowner’s insurance company to handle your claim promptly, help is available. Contact the insurance-claim lawyers at
Manfred Sternberg & Associates through our
website or call 713-547-5460.
Mr. Sternberg’s track record and experience of working with clients from the earliest stages of their cases allows him to bring a uniquely broad-based perspective to the matters he handles.
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Phone: 713-547-5460
1700 Post Oak Blvd
2 BLVD Place Suite 610
Houston, TX 77056
201 St. Charles Avenue
Suite 2500 PMB # 8873
New Orleans, LA 70170
Disclaimer: The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney-client relationship.
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