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Legal Blog

Making an Insurance Claim After Hurricane Harvey

Hurricanes can leave many people with overwhelming damage and devastation. If you have recently been a victim to Hurricane Harvey, you may be eligible to recover compensation for your losses by filing an insurance claim.

For help filing an insurance claim after any type of accident, contact our experienced personal injury lawyers at The Krist Law Firm, P.C. We can evaluate your case during our free and confidential consultation and help you through the claims process. Contact us today at (281) 283-8500 to schedule your appointment.

Tips for Making an Insurance Claim After a Hurricane

There are several important steps you should follow when you are filing an insurance claim after a natural disaster:

  1. Write down everything that is damaged. You should maintain an active log of everything that has been damaged by the hurricane. It also is important to take pictures of the damage to have visual proof.

  2. Don’t clean up. It is important to allow as much damage as is safe to remain so the insurance adjuster can see what happened. You can make temporary fixes to things, but do not throw anything out and always take pictures before you make any changes.

  3. Document how much you spend on repairs. If you do make temporary repairs, make sure to keep all receipts and document how much money you have spent. Also, keep any receipts for hotels and food you had to spend money on due to damage in your home.

  4. Know your insurance policy. Hurricane and other natural disaster insurance policies can be confusing and difficult to navigate. It is important to know what your insurance policy does and does not cover. Some policies will include coverage for hurricane damage after a deductible is paid. Hurricane damage can be defined as any damage or debris as a result of severe hurricane winds and rain. Your insurance may also cover any damage done to your car due to the hurricane as well.

When to Submit Your Hurricane Harvey Claim

Insurance companies often operate on the basis of who files first and/or who has the worst damage. When an insurance company delays in paying for your damages, they may have to compensate you for more than your losses. There is a new law in Texas that changes the interest rate insurance companies must pay when they postpone paying their claims. The interest rate has been decreased from 18 percent to 10 percent. It is important to submit your claim as soon as possible in order to give the insurance company notice that you deserve compensation.

How The Krist Law Firm, P.C. Can Help

Our Houston area lawyers understand that a natural disaster like Hurricane Harvey can leave you devastated and alter your everyday life. Let us help you receive the compensation you deserve for your losses. If you are having trouble with an insurance company who may be acting in bad faith, contact us today at (281) 283-8500 to schedule a free initial consultation.