Hurricane Attorney in Alpharetta178 S Main St, Unit 300
Alpharetta, GA 30009
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Hurricane Insurance Claim Attorneys in Alpharetta
When a hurricane hits, the damage can be catastrophic. If you have hurricane insurance, you may be able to file a claim to receive compensation for your losses. However, the claims process can be complex and challenging, and it is often difficult to get the full amount of compensation you deserve. Morgan & Morgan’s experienced hurricane insurance claim attorneys in Alpharetta can help. We understand the claims process and will fight for your rights. Our attorneys have been handling these types of claims for decades and will do whatever it takes to get you what you deserve.
Contact us today to schedule a free consultation.
Get answers to commonly asked questions about our legal services and learn how we may assist you with your case.
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What are Four Reasons You Need Hurricane Insurance Claim Attorneys in Alpharetta?
When you suffer hurricane damage, your insurance company is supposed to help you get your life back to normal. But what happens when the insurance company denies your claim or doesn't give you enough money to repair the damage? You need an attorney on your side. Here are four reasons why:
1. Experience With Hurricane Claims
A hurricane insurance attorney will have experience dealing with hurricane claims specifically. This means they know the ins and outs of these types of claims and can help you get the best possible outcome.
2. Knowledge in Dealing With the Insurance Companies
Dealing with insurance companies can be frustrating, especially after suffering damage from a hurricane. The right attorney knows how to deal with insurance companies and will make sure you aren’t taken advantage of.
3. Get More Money for Your Claim
An experienced attorney will know how to maximize your claim so that you get more money for the damage caused by the hurricane. This means you'll have a better chance of being able to fully repair the damage and get your life back to normal.
4. Take the Stress Out of Filing a Claim
Filing an insurance claim can be stressful, especially if it's your first time doing it. A lawyer can take care of everything for you so that you don't have to worry about it. This includes dealing with the insurance company, collecting evidence, and negotiating a settlement.
If you've been denied an insurance claim or haven't been offered enough money to repair the damage caused by a hurricane, contact hurricane insurance claim attorneys in Alpharetta today. They can help you get the compensation you deserve so that you can get your life back on track.
Why Do Hurricane Insurance Claims Get Denied?
One of the most common questions we get from our clients is why their hurricane insurance claim was denied. Unfortunately, there are a number of reasons why this can happen. Some of the most common reasons include the following:
1. Lack of Proper Documentation
One of the most common reasons for hurricane insurance claim denials is a lack of proper documentation. When you file a claim, your insurance company will request a number of documents in order to process it. This may include things like proof of ownership, proof of purchase, and receipts for any repairs that have been made. If you don't have all the required documentation, your claim is likely to be denied.
2. Insufficient Coverage
Another common reason for denials is insufficient coverage. Many people don't realize that their hurricane insurance policy may have limits on the amount they're able to claim. For example, some policies may only cover up to $5,000 in damages. If your damages exceed this amount, you'll need to pay out of pocket to cover the rest.
3. Exclusions in Your Policy
Another thing to be aware of is that your hurricane insurance policy may have exclusions. These are events or circumstances that are not covered by your policy. For example, some policies exclude flooding damage. So, if your home sustained flood damage during a hurricane, you would not be able to file a claim for it.
4. Fraudulent Claims
Another reason why claims can be denied is if they're determined to be fraudulent. If your insurance company suspects that you're trying to cheat the system, they will investigate your claim and may deny it if they find evidence of fraud.
5. Bad Faith Denial of an Insurance Claim
Finally, sometimes claims are denied in bad faith. Bad faith denial of an insurance claim occurs when an insurance company unfairly denies or delays a valid claim. In some cases, insurance companies will try to take advantage of claimants by offering them much less than their claim is worth. In other cases, they may outright deny valid claims or drag their feet in the hopes that claimants will give up and go away.
There are many federal and state laws in place to protect consumers from bad-faith denials of insurance claims, but that doesn't stop some companies from engaging in these practices. And when they do, it can have a devastating impact on claimants who are already struggling to recover from a major disaster.
What to Do if Your Claim Is Denied?
If your hurricane insurance claim has been denied, don't despair—there are still options available to you. The first thing you should do is reach out to your insurance company and ask them for a written explanation of why your claim was denied. This will give you a better idea of where to go from here and how to proceed with appealing the decision if necessary.
You should then speak with an attorney who specializes in insurance denials and appeals in similar cases. They will be able to help you gather the evidence you need to appeal the decision and get the compensation you deserve.
Why Is Hurricane Insurance So Important?
As we enter the peak of hurricane season, it's important to remember the benefits of hurricane insurance. For many people, the idea of purchasing hurricane insurance seems like a waste of money. After all, why would you pay for something that may never happen?
However, the truth is that hurricanes are becoming more and more common. In the past 30 years, we've seen a dramatic increase in the number and intensity of hurricanes. According to climatologists, this is only going to continue in the years to come. As a result, it's becoming increasingly important to have hurricane insurance.
There are several reasons why hurricane insurance is so important. First and foremost, it can help you cover the costs of repairs if your home is damaged by a hurricane. Regardless of how well you prepare, there's always a chance that your home could sustain serious damage during a storm.
In addition, hurricane insurance can also help you cover the costs of evacuation. If a mandatory evacuation is ordered for your area, you could be faced with hundreds or even thousands of dollars in expenses. Hotel rooms, rental cars, and plane tickets can add up quickly. However, if you have hurricane insurance, your policy will likely cover some or all of these expenses.
Finally, hurricane insurance can give you peace of mind during what is typically a very stressful time. Knowing that you're covered financially if something does go wrong can help you relax, even during an active hurricane.
If you live in an area that's prone to hurricanes, we strongly recommend that you purchase hurricane insurance. It's better to be safe than sorry.
What Are the Most Common Types of Hurricane Damage?
Hurricanes can cause extensive damage to your home or business. The most common types of damage include:
One of the most common types of damage caused by hurricanes is flooding. Floodwaters can damage your home's foundation, destroy your belongings, and create mold and mildew problems. To minimize the impact of flooding, make sure you have flood insurance and that your home is properly elevated and secured.
2. Wind Damage
High winds can tear off roofs, break windows, and topple trees. To protect your property from wind damage, make sure your roof is in good condition and that all your trees are properly trimmed.
3. Storm Surge
Another common type of damage caused by hurricanes is storm surges. A storm surge is a wall of water that is pushed ashore by the force of the hurricane's winds. This can destroy homes, businesses, and infrastructure.
4. Power Outages
Power outages are another common problem during hurricanes. Power outages can last for days or weeks and can cause food spoilage, water contamination, and loss of communication. To prepare for a power outage, make sure you have a generator and appropriate supplies on hand.
5. Damage to Vehicles
Vehicles are also susceptible to damage during hurricanes. High winds can cause tree limbs and other debris to fall on vehicles, while floodwaters can sweep vehicles away. To protect your vehicles from hurricane damage, park them in a garage above ground or another sheltered area if possible.
Contact Morgan & Morgan for Your Hurricane Claim
Hurricane insurance claims can be complex and time-consuming. If you have suffered damage to your home or business due to a hurricane, it is important to contact a hurricane insurance lawyer as soon as possible. Morgan & Morgan’s hurricane insurance claim attorneys in Alpharetta can help you recover compensation for damage to your home or business and to replace personal belongings that were destroyed in the hurricane. The attorneys at Morgan & Morgan have recovered billions of dollars for our clients and are dedicated to fight for what you deserve.
Contact us today to schedule a free consultation.
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