Hurricanes can cause widespread destruction and leave individuals facing significant property damage. Navigating the complexities of seeking compensation can be overwhelming, especially during such an emotionally distressing time.

To avoid common claim mistakes, leave it to at Mark W. Smith & Associates, Attorneys at Law to help you understand the process and protect your rights. Here are 7 post-hurricane errors to avoid making.

1. Forgetting to Include Other Losses

If your business was affected by the hurricane, you may be entitled to compensation for lost income and expenses.    

  • In addition to business, hurricanes can cause significant emotional distress. If you've experienced emotional trauma due to the hurricane, you may be entitled to compensation.
  • Be sure to document copayments and proof you’ve sought psychological services.

2. Underestimating Damages

It's easy to underestimate the extent of hurricane damage, especially when dealing with multiple issues simultaneously.

3. Acting Without Legal Representation

Insurance adjusters may attempt to minimize the value of your claim or deny coverage altogether.

  • It's advisable to consult with a legal professional before dealing with insurance adjusters.
  • An attorney can help you understand your rights, negotiate a fair settlement, and protect your interests.

4. Relying Solely on Insurance Adjuster's Estimates

Insurance adjusters may provide damages estimates that are lower than the actual cost.

  • It's important to obtain independent appraisals or estimates to ensure you're receiving fair compensation.

5. Failing to File a Claim on Time

Most insurance policies have deadlines for filing claims.

  • Failing to meet these deadlines can result in your claim being denied.
  • It's vital to understand your insurance policy and adhere to the specified timelines.

6. Not Considering Punitive Damages

In some cases, insurance companies may act in bad faith by refusing to pay legitimate claims or engaging in other unfair practices.

  • If you can prove bad faith, you may be entitled to punitive damages in addition to compensatory damages.

7. Underestimating the Value of Personal Belongings

It can be difficult to accurately assess the value of lost or damaged personal belongings.

  • Consider using professional appraisers to determine the fair market value of your items.

Do you still have questions pertaining to any of the matters mentioned above? We would be happy to answer them for you. Our team takes pride in clarifying complex legal issues, allowing you to focus on rebuilding or recovery.

If you still have questions about hurricane damage insurance, contact the team at Mark W. Smith & Associates, Attorneys at Law, by calling our Metairie office at 504-224-8388 or contacting us online. We look forward to serving you.