Hurricane Claims Questions

Some of the damages to my home were caused by wind, and the rest by storm surge. How will I know what is covered by my insurance policy?

Generally, homeowners' insurance policies will cover wind and rain damage but exclude flood damage. Flood damage is typically covered in a separate policy through the National Flood Insurance Program administered by the Federal Emergency Management Agency (FEMA). Without this you likely will not receive any money for flood repairs. This means the damages to your home will need to be apportioned between covered and non-covered losses.

Don’t let the insurance companies take advantage of your lack of flood coverage. It’s important to know that you don’t have to accept the insurance company’s determination, which typically is aimed at providing you with the lowest possible recovery. Instead, contact the Houston-based hurricane insurance lawyers at Arnold & Itkin LLP. We have established a vast network of qualified experts and appraisers who can review your damages and arrive at a fair and reasonable apportionment.

For a free consultation, contact a Houston hurricane claim attorney from our office today!