ICE & SNOW INSURANCE CLAIM LAWYERS
We protect against denied or underpaid winter storm insurance claims
Winter storms are the third largest natural cause of catastrophic loss and property damage in the U.S. every year, placing just after severe thunderstorms and flooding. Many property owners face extensive damages or injuries from snow and ice, despite preparations and proper monitoring. Exterior and interior damages are caused by a wide range of things such as frozen pipes, heavy snowfall collapsing roofs, water damage, mold, and even fire damage from faulty electrical outlets and equipment. Most winter related insurance claims are generally covered, but many insurance companies will try to exclude or reduce coverages. Having experienced legal counsel when faced with considerable and costly damage is often crucial when dealing with a weather-related insurance claim.
ICE & Snow DAMAGEs
Winter storms can wreak major havoc on your home or business
Winter weather can bring great hazards through extreme cold, snow, ice, blizzards, freezing rain, heavy sleet and high winds. It can result in higher risks of car accidents, hypothermia, slip & fall accidents and other personal injuries, but a winter storm can also seriously endanger your property. What can start off on the exterior of your home or business, can often quickly make its way inside, as well.
What kinds of property damages can occur from snow and ice?
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Structural Damage
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Flood Damage
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Burst Pipes or Plumbing Issues
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Ceiling Collapse or Roof Failure
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Mold or Mildew
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House Fires
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Fallen Trees or Broken Limbs
winter storm insurance claims
Galindo Law challenges insurance companies on undervalued snow & ice damage claims
The good news is that most insurance companies generally cover damages resulting from winter weather. The bad news is that some policies are written vaguely and open to the insurance company's interpretation of what is covered or excluded when it comes to damages.
Winter Damage Claims Help
How do you know if you are getting a fair settlement for your winter weather-related property damages? Oftentimes policyholders can encounter difficulties when filing their insurance claims. They get low offers or are denied entirely for certain costly coverages. Property owners will often have to provide proof to the insurance company that their damages resulted from the winter weather and that there was proper maintenance and monitoring for it to even be covered. It can be a struggle to navigate the claims process alone. Hiring an experienced insurance attorney that works for you can be the best option for your claim. At Galindo Law, we can calculate your actual damages, negotiate with the insurance company on your behalf, and obtain the maximum settlement you deserve for your property damages.
common challenges of ice & snow claims
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Policy Definitions - Policies can deny or exclude coverages based on how the policy is written to define a damage.
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Stipulations - Where a coverage may exist, there are limitations on what is actually included.
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Proving Damage - The insured must prove that the damage resulted from a covered peril or that there was proper maintenance or monitoring for it to be covered.
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Evaluation of Damages - Often times an adjuster will miss, limit, or deny the extent of your property damages.
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Partially Insurable - There are specific parameters to a coverage under the policy.
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Exclusion Location - A policy can contain certain exclusions or conditions that you wouldn't find in the Exclusion section of your policy.
ICE & SNOW DAMAGES FAQ
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What steps should you take before a hurricane?The exact path of a hurricane or tropical storm is sometimes unclear, leaving us scrambling and stressed to prepare with little notice. Creating a plan with your family and being ready to evacuate to safety, if needed, are important. Here are a few more steps to consider before a hurricane: Understand your insurance coverage Take “before” photos of your home and possessions Gather important documents, records, and receipts Inventory your possessions and property Visit the CDC guidelines for creating an emergency plan and preparing your home, family and pets
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What steps should you take after a hurricane?Always first and foremost, when you return to your home make sure you and you loved ones are safe from hazards: power lines, electrical or gas appliances, flood water, debris, and other dangers. Consider the following steps when dealing with property damages after a hurricane: File a claim with your insurance company Take photos of any property damages (interior and exterior) Keep detailed records of documents and conversations with the adjuster and the insurance company including names, dates, and summaries Create an inventory list of your damaged property and possessions Prepare receipts or proof of payment for damaged items Contact trusted contractors to inspect your damages and write bids for the repairs
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Post-Storm Property Damage ChecklistInspect the Roof - As the most susceptible to wind and storm damage, make sure to check the roof for damaged shingles and seams, broken or missing materials, holes or gaps, loose and fallen debris, and any water stains or discoloration Thoroughly Check Windows - Whether single or double pane, windows can easily take on damage from a large storm. Inspect for cracks and dents in frames, rips or holes in window screens, broken panes, or damage to the seal in double panes which creates fogging. Investigate the Attic - Make sure to inspect the hidden areas like attics and crawl spaces for flooding and water damage. Check Gutters & Pipes - Pipes, gutters, and downspouts can be cracked or chipped, or even be obstructed with debris. Access Fences, Decks & Porches - It is common for exterior surfaces to experience breaking, paint chipping, cracking and other damages. Inspect Driveways & Walkways - Be aware of the ground surfaces and inspect for cracks in the sidewalk or gravel astray. Be Mindful of Trees & Debris - Take a look at all trees and plants on your property, as well as your direct neighbors.
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Why should I contact an insurance claim lawyer?Often many property owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher – there is a greater chance for dispute. You should consider contacting an attorney for help when: You have questions regarding your policy coverages The insurance adjuster’s estimate is lower than expected Damages are extensive and claims are more complex Claims are delayed or denied Galindo Law understands the havoc caused by a hurricane. Our team offers care and legal support when dealing with hardened insurance companies. Call the Galindo Law Firm at 888.800.1808 for a free legal consultation.