Insurance policies

Home Insurance Policies Refusal to Reimburse Class Action Investigation

Home insurance that refuses to reimburse: who is concerned?

Has your home been damaged by trees, wind damage, or flooding from a natural disaster, but your home insurance policy has refused to pay for repairs or lowered the estimate damage ? You may need a lawyer to fight for your maximum claim.

Tornadoes, strong windstorms or prolonged torrential rains can significantly damage homes and property. Whether it’s tree damage, wind damage or floods, storms and natural disasters can cause families and individuals to face emergency accommodation decisions and put them at odds with their insurance company.

Insurance companies are profit-driven businesses. Their margins are mainly determined by the amount they collect in premiums and deductibles compared to the amount they pay in claims. While insurance companies may say in advertisements that you are in good hands, that you are like a neighbor, or that they provide good customer service, it is in the financial interest of insurance companies to refuse or to underestimate claims when they can.

Filing an insurance claim for hurricane damage can be confusing. Some people may not be aware that their insurance can also cover damage to homes, cars and businesses.

Are you eligible?

If you have experienced a windstorm, lightning, tree damage or flooding from a natural disaster within the past two years, and your insurance company has not paid you adequately for the damage, you may be eligible for a free insurance assessment. claim. A lawyer can help you secure maximum payments for other natural disaster insurance claims at no additional cost.

Fill out the form on this page for more information.

Insurance fights worse than damage

Insurance companies are notorious for not cooperating with victims of natural disasters. A Louisiana man, Tyler Collins, said Louisiana Television Station KPLC dealing with his insurance company was worse than dealing with the hurricane itself. He said he went through 27 claims adjusters at six companies before calling his lawyer.

“They’re causing way too much: angst, frustration, everything, every step of the way. The hurricane was child’s play compared to what insurance companies do to people.

A couple shared with The New York Times that a storm caused $150,000 in damages to make their home habitable again, but their insurance company only paid them $60,000 in damages. Many victims said claims had taken months or even years to collect appropriate claims to rebuild their damaged property. Louisiana lawmakers have addressed the litany of complaints, including the slow or no pay or the “radio silence” they heard from their constituents after Hurricanes Laura, Delta and Zeta. They said they would try to pass laws to better protect consumers.

Insurance companies slip into new limits

The fact is, many people don’t understand their insurance policies and hope for the best if and when the time comes that they need it. Insurance companies take advantage of this ignorance, some argue.

According to the Consumer Federation of America (CFA), one strategy cited by some insurance companies is to slip new limitations into the policy without adequately informing customers. The CFA recommends contacting an attorney if plaintiffs believe they have been misled in this regard.

“Nearly all wind-damaged homes have home insurance policies covering wind, but insurers have steadily increased hurricane coverage deductibles and imposed other, sometimes draconian, limitations on home insurance policies” , said J. Robert Hunter, director of insurance of the CFA. “This shifting of costs to consumers under home insurance policies may surprise some, as disclosures of coverage changes are often buried in renewal documents that consumers may not understand or even read.

Participate in an investigation into a homeowners denial of coverage case

If you’ve suffered wind, flood, lightning, or tree damage from a natural disaster in the past two years, an attorney can help you make sure your insurance company will pay for it. maximum for your claim.

Complete the form on this page for a FREE case evaluation.