What to know about storm damage claims

When a storm hits in Colorado or other states, it is possible that it could cause damage to a person’s home. However, there is no guarantee that an insurance policy will cover the cost of repairing that damage. In some cases, an insurance policy will damage caps or other limits that may leave a homeowner paying for some repairs out of his or her own pocket. For instance, if a tree falls in a yard, the homeowner is generally responsible for having it removed.
If that same tree were to fall on the house, an insurance policy could pay for the damage that the tree causes. The same could be true if a neighbor’s tree fell and caused damage to a home. It is important for those who have experienced property damage to contact their insurance company immediately. In addition to paying for repairs to a home, a policyholder could be reimbursed for additional expenses.

For instance, homeowners may be reimbursed for the cost of staying in a hotel or renting a car. Quickly contacting an insurance company could also minimize secondary damage caused in a storm’s aftermath. Homeowners should cover a roof or any other part of the home that is exposed to the elements. Failing to do so might result in a claim being partially or fully denied.

If hail, rain or wind damage occurs to a residential property, it is a good idea to contact an insurance company representative quickly. If the insurance company fails to approve a claim, a homeowner may have recourse. An attorney may help a homeowner review his or her policy to determine if coverage was unfairly denied. In the event that this occurs, the filing of a lawsuit based on bad faith might be advisable.