Facebook Icon Twitter Icon YouTube Icon LinkedIn Icon

Read The 6 Most Commonly Asked Questions Regarding Harvey Flood Insurance Claims

December 27th, 2017 Flood Damage
Hurricane Harvey Flood Insurance Questions

Many insurance companies and FEMA are not paying people who sustained significant flood and wind damage to their homes, the fair insurance settlements they deserve. Houston residents who were impacted by Hurricane Harvey are still trying to pick up the pieces and put their lives back together.

Battling with the insurance companies and an unjust settlement is the last thing anyone wants to deal with after the trauma of a flood.

Houston flood victims are upset and fed up with the insurance company run-around. At Long & Long, Property Loss Attorneys, we don’t want you to feel stressed and worried any longer. We can offer you a viable solution by handling your entire Hurricane Harvey Flood Insurance Claim.

At Long & Long, our experienced team of attorneys will deal with your property loss claim and help you secure the insurance recovery you deserve.

We understand insurance policies are complicated, with a lot of small legal print. That is why it is important, if you have sustained significant flood or wind damage to your home, that you contact the experienced flood and wind insurance claims attorneys at Long & Long.

Below are the most commonly asked questions:

  1. I lost everything from the hurricane. What does my flood policy cover?

A standard residential flood policy covers up to:

  • $250,000 for the structure of the home
  • $500,000 for the structure of a commercial building
  • $100,000 for personal contents

You can find the structural damage by using either replacement cost (the amount needed to rebuild or repair the home to its condition before the flood), or actual cash value, (which will only pay for the replacement cost without depreciation).

The value of your home and size of your insurance policy will determine if your policy is a replacement or actual cash. However, damages to personal possessions are calculated using actual cash value, meaning the older they are, the less money you will receive. There are policies available to cover damages in excess of $10,000 and 250,000

  1. Why should I hire an attorney to help with my flood or wind insurance claim?
  • Understanding the full terms, coverages, and contractual obligations of a lengthy insurance policy is difficult
  • There are many exclusions and deadlines that must be considered
  • Not to mention this is a very stressful and difficult time for you
  • An experienced flood loss attorney with years of experience in flood and wind insurance claims will know what to do
  • An experienced attorney will help you recover the maximum loses from your insurance policy
  1. Is there a deadline to appealing my flood insurance claim?

A standard flood insurance policy typically has a 60-day deadline to file proof of a loss, but FEMA has extended this deadline to one year for those affected by Hurricane Harvey. Your proof of loss must be accurate and adhere to FEMA’s strict rules and guidelines.

  1. Is it important that I complete my own Proof of Loss for my flood claim?

The Proof of Loss is the most important part of your claim. Without it, you will likely be forever banned from receiving additional insurance money. FEMA has waived the initial Proof of Loss requirement for Harvey Flood victims. Yet, an accurate Proof of Loss that complies with FEMA’s rules needs to be submitted.

  1. Will Long & Long send out their own professional adjusters to my property?

Yes. Our certified and experienced adjusters will evaluate the value of your Teas flood and wind insurance claim and conduct a thorough assessment of your losses. This report is submitted to your insurance company, and one of our experienced flood and wind insurance attorneys will negotiate your recovery.

  1. What if I can’t afford an attorney?

When you hire Long & Long Property Loss Attorneys to handle your flood and wind insurance claim, you pay us nothing up front. In fact, you do not pay us anything until after your settlement has been determined, and approved. And if there is no settlement, there is no attorneys fee. We do not get paid unless you do. If we incur any court costs or expenses while pursuing your claim, we only get reimbursed if we are successful in getting you additional insurance money.

If your home suffered damage during Hurricane Harvey and you have wind and flood insurance, we can handle your entire flood and wind insurance claim for you. Contact the Harvey Flood Property Loss Attorneys at Long & Long at 713-863-0333.

We have handled over 7,500 property loss claims successfully securing the insurance benefits our clients deserved. Our attorneys are dedicated to fighting FEMA and private insurance companies to win the maximum insurance settlement. We have been up against their adjusters, lawyers and their underpayment tactics time and time again. Don’t be a victim twice.

The experienced Harvey Flood Insurance Claims Attorneys will work to secure the recovery you deserve for your residential, business or commercial property loss claim. Call Long & Long’s Property Loss Attorneys today at 713-863-0333. One of our Houston flood and wind insurance lawyers is standing by to help.

Take control of your insurance claim by calling Long & Long’s Property Loss Attorneys.

, ,