Can You File a Supplemental Claim for Hurricane Damage?

Posted on August 18, 2023


Long Nguyen | author

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ICHQ | Site Author

Hurricanes occur regularly along America’s southern and eastern coasts of the US. The accompanying storms, torrential downpours, and violent winds often cause considerable property damage. Your homeowners insurance policy should cover the damage, but insurers usually try to lowball their clients or deny them compensation.

For this reason, you need an experienced hurricane damage attorney when filing a hurricane supplemental claim. At Insurance Claim HQ, we know too well that hurricanes upend your sense of security and leave you financially vulnerable. Thus, we are committed to helping you navigate life after disaster strikes by defending you against insurance companies’ lowball offers and compensation denials.

What is a Supplemental Homeowners Insurance Claim?

A supplemental claim is a change in order or an additional charge on the initial insurance claim. It’s based on underpaid, overlooked, or discovered damage. For instance, you can file a supplemental claim if you need to make further repairs for damage discovered after the insurance company paid the initial claim.

After getting compensated for the initial hurricane damage, you can file a supplemental claim if:

  • The contractor discovers additional damage while undertaking repairs.
  • You failed to fully document the extent of the hurricane damage while rushing to file the initial claim.
  • The property repair cost exceeds what you estimated.

Do Insurance Companies Accept Supplemental Claims for Hurricane Damage?

Most insurance companies act in bad faith when policyholders file supplemental claims for missed damages or underestimated repair costs. That’s unsurprising because the compensation affects their bottom line. For this reason, it’s common to see insurers making lowball offers or denying the claims altogether.

Limits to the Number of Claims You Can File

Your insurance policy’s terms and conditions stipulate the number of times you can file a supplemental claim for hurricane damage. Some insurers specify limits on the number of claims policyholders can file annually or per event. For instance, they may stipulate the number of times you can file a supplemental claim in one hurricane season.

When Should You File Your Claim?

Ideally, you should file a supplemental claim immediately after discovering the additional hurricane damage to your property to ensure you get compensated promptly. Under Louisiana law, supplemental claims for hurricane damage should get filed within one year of the hurricane’s landfall.

At Insurance Claim HQ, we handle supplemental claims for hurricane damage throughout the Southern and Eastern coasts. The statute of limitations varies from state to state, and we can advise you on the timelines for filing your claim.

Don’t Allow Your Insurer to Treat You Unfairly

Insurance companies are always reluctant to explain your policy or reimburse you when you file a supplemental claim for hurricane damage. That’s where the Insurance Claim HQ comes in. Our goal is to ensure you get fully compensated for your hurricane damage and that your property is restored to the condition it was before the disaster hit.

If your insurer has made a lowball settlement offer or denies your supplemental claim, count on us to fight for what you deserve. Call us or contact us online to schedule a free, no-obligation case evaluation.

FAQs About Supplemental Insurance Claims

What property damage can be covered by a supplemental claim for hurricane damage?

You can be compensated for wind damage, rain leaks, living expenses resulting from the displacement, and personal property damage.

What happens if my supplemental claim gets denied?

All is not lost if your claim gets denied. Our attorneys can help challenge the denial and ensure you get compensated for your hurricane damage.