Little Rock Hurricane Damage Claim Lawyers
Hurricane insurance dispute attorneys helping Arkansas policyholders rebuild
Hurricanes are among the most devastating natural disasters, leaving a trail of destruction in their wake. As Little Rock insurance dispute attorneys, we’ve witnessed firsthand the chaos and uncertainty that follows in the aftermath of these powerful storms. From property damage to business interruptions, the impact of hurricanes can be profound and far-reaching. At McWherter Scott & Bobbitt, we assist individuals and businesses who are navigating insurance disputes arising from hurricane-related claims. We understand the complexities of insurance policies, the tactics employed by insurance companies, and the legal avenues available to ensure our clients receive the compensation they rightfully deserve. Whether you're facing coverage denials, underpayments, or delays in claims processing, our dedicated team is here to provide expert guidance and aggressive advocacy. If you've been affected by a hurricane and are struggling to obtain fair treatment from your insurer, don't hesitate to reach out.
How are hurricanes classified?
Hurricanes are classified by their sustained wind speeds on the Saffir-Simpson Hurricane Wind Scale, which is a 1–5 rating. The categories are:
- Category 1: 74–95 mph
- Category 2: 96–110 mph
- Category 3: 111–129 mph
- Category 4: 130–156 mph
- Category 5: 157 mph or higher
Hurricanes in Category 3 and higher are considered major hurricanes because of their potential for significant loss of life and damage. The total destructive power of a hurricane is determined by a combination of storm surge, wind, and other factors.
Here are some examples of the damage caused by each category:
- Category 1: Some damage, including damage to well-constructed homes, fallen trees, and power outages
- Category 2: Extensive damage, including major damage to well-constructed homes, fallen trees, blocked roads, and power outages that last for several days to weeks
- Category 3: Devastating damage
- Category 4: Catastrophic damage, including water shortages that can make the affected area uninhabitable for weeks or months
- Category 5: Catastrophic damage, with most areas being uninhabitable for weeks or months
How can your Little Rock hurricane damage attorneys help with my claim?
Here at McWherter Scott & Bobbitt, our Little Rock insurance dispute attorneys understand the devastation hurricanes can bring and the challenges you face recovering. Dealing with insurance companies after a hurricane can be stressful, especially when your claim is denied, delayed, or lowballed. Here's how our experienced team can help you with your hurricane damage claim:
- Reviewing your policy:We'll meticulously examine your insurance policy to ensure you understand your coverage and that the company is acting in your best interests.
- Negotiating a fair settlement:Our skilled negotiators will fight to get you the maximum compensation you deserve for repairs, replacements, and additional living expenses while your home is unlivable.
- Handling the appeals process:If your claim gets denied, we'll guide you through the appeals process, gathering the evidence and documentation necessary to strengthen your case.
- Fighting for additional coverage:We'll explore all avenues to ensure you receive all the coverage you're entitled to under your policy, including wind damage, flooding from storm surge, and debris removal.
- Dealing with adjusters:We'll be your advocate when dealing with insurance adjusters, ensuring they properly assess the damage and don't overlook any important details.
Hurricane season is unpredictable, but our team is here to be a steady presence throughout your recovery process. Don't go through this alone. We can fight for the compensation you deserve.
What should I do after a hurricane?
After a hurricane in Little Rock, you should take the following steps to keep yourself and your family safe, as well as protect your insurance claim:
- Listen to authorities:Stay tuned to official updates for any warnings or evacuation orders.
- Avoid downed power lines:Downed power lines pose a serious electrical hazard. Don't go near them and report them to the authorities.
- Check for gas leaks:If you smell gas, evacuate immediately and report the leak to the gas company.
- Turn off utilities:If it's safe to do so, turn off the main water valve and gas line to prevent further damage from broken pipes or leaks.
- Cover exposed areas:Use tarps or plywood to cover any openings in your roof or windows to prevent additional water damage from rain.
- Take photos and videos:Thoroughly document all the hurricane damage to your property, including the exterior, interior, and belongings.
- Create a list:Make a detailed list of damaged items in your home or business, including descriptions and estimated values.
- Keep receipts:Hold on to any receipts for temporary repairs or living expenses.
- File a claim promptly:Contact your insurance company as soon as possible to report the damage and initiate the claims process. Our Little Rock attorneys can help with this.
- Understand your coverage:Review your insurance policy to understand what types of damage are covered and any exclusions.
- Don't discuss repairs yet:Don't agree to repairs or permanent fixes before your insurance company inspects the damage.
- Government assistance:Depending on the severity of the hurricane, government agencies may offer financial assistance for repairs.
Remember, safety comes first. Once the situation is safe, focus on documenting the damage and starting the claims process with your insurance company. Don’t hesitate to seek additional help from our experienced Little Rock hurricane damage lawyers.
What are some common legal issues with hurricane claims?
Here's a breakdown of some common legal issues that can arise with hurricane damage claims:
- Coverage disputes: Insurance companies might deny your claim entirely, arguing that the specific type of damage (wind vs. flood) isn't covered by your policy. They might also try to exclude damage due to neglect or pre-existing conditions.
- Settlement amount:Often, disagreements arise over the compensation offered. You might believe the insurance company's assessment undervalues the true cost of repairs or replacing belongings.
- Adjuster's assessment:You may disagree with the adjuster's evaluation of the damage or the value they placed on your belongings. They might downplay the extent of the damage or use depreciation to significantly reduce payouts.
- Policy interpretation:Insurance policies can be riddled with complex wording. Disputes can arise over the interpretation of specific clauses related to coverage limitations, deductibles, or "reasonable" repair costs.
- Bad faith:In some cases, insurance companies might act in bad faith by unreasonably delaying, denying valid claims, or offering lowball settlements to pressure policyholders into accepting.
These are just some of the common legal issues that can complicate hurricane damage claims. If you're facing any of these problems, consult with an experienced Little Rock insurance dispute attorney at McWherter Scott & Bobbitt today. We can help you navigate the complexities of your policy, ensure you're treated fairly, and fight for the compensation you deserve to recover from the hurricane.
Our Little Rock, Arkansas hurricane insurance claim lawyers are here to help
Has your property been devastated by a hurricane, only to encounter roadblocks with your insurance provider? Our team of dedicated hurricane insurance dispute attorneys is here to provide unwavering support and expert legal guidance. Whether you're battling coverage denials, underpayments, or delays in claims processing, we'll work to explain the details of your policy and advocate fiercely on your behalf. Don't let insurance disputes hinder your recovery efforts; we are here to help. To schedule a meeting with a dedicated lawyer, call our offices or fill out our contact form. Our attorneys are licensed in Alabama, Tennessee, Kentucky, Arkansas, Mississippi and Missouri.