Our region is not exactly known for its harsh winter weather. That being said, winter storms can affect every state in the Continental U.S., including Louisiana. The Southern Climate Impacts and Planning Program (SCIPP) notes that while freezing along the Gulf Coast itself is relatively rare, it can happen. Further, you do not have to go far […]
Roof damage is one of the leading causes of property damage. Indeed, according to data from CAPE Analytics, approximately one-third of all residential property damage claims in the United States are storm-related roof damage claims. A disproportionate share of roof damage happens during the winter. At Insurance Claim HQ, we have extensive experience representing policyholders in […]
A hurricane can cause devastating damage. Unfortunately, we see just how destructive every year during the Atlantic hurricane season. Some communities are hit hard. Businesses and families need compensation to start putting the pieces back in place. FEMA offers some support. Additionally, many homeowners/property owners can also bring a claim through their private coverage. At […]
Fires remain a serious risk. According to data from the National Fire Protection Association (NFPA), there are approximately 350,000 residential fires that cause significant damage nationwide each year. That means billions of dollars of home property damage each year. Even though insurance coverage can help, it is always best to prevent fires before they happen. A […]
A natural disaster can cause serious damage to your business. Unfortunately, in some cases, that damage may force you to reduce or even temporarily suspend your operations. That means less money coming in during any already challenging time—and your weekly and monthly overhead costs can keep adding up. Business interruption insurance coverage can help to […]
As a homeowner or business owner, you have reasonable concerns about theft. The security company ADT puts the total annual nationwide theft loss at more than $15 billion. As theft is widely believed to be systematically underreported, the true extent of theft losses may be far greater. This raises an important question: Does homeowners insurance cover theft? The short […]
According to CSU Tropical Weather and Climate Research data, there are an average of 14 named storms per year during the Atlantic Hurricane season. Around seven of those storms become hurricanes. Unfortunately, more than one hurricane could strike the same location. For property owners who suffer damage from multiple hurricanes in one season, the process can […]
You pay your insurance premiums on time. In turn, you rightfully expect coverage when your home or business is damaged by a covered peril. Unfortunately, too many policyholders run into serious problems. Bad faith insurance practices by insurance companies continue to happen. At Insurance Claim HQ, we hold insurers accountable for bad faith. Here, our New […]
Did your property sustain damage in a storm or another covered peril? If so, you should file a property damage claim with your insurance company as soon as possible. After all, you pay your premiums—and your insurance company should be there to provide financial help when you need it. Unfortunately, property insurance claims are challenging. […]
The wind damage caused by a tropical storm or a hurricane can be extreme. As explained by the National Weather Service, the Saffir-Simpson Hurricane Scale is used to classify storms arising out of the Atlantic Ocean. A category one hurricane is one with winds between 75 and 94 miles per hour (MPH). Damage will occur. With […]