Tropical Storm Cristobal kicked off the Atlantic hurricane season early this year and menaced the Gulf Coast with all too familiar warnings. This storm, along with projections for a highly active hurricane season, should have you thoroughly reviewing your homeowner’s insurance policy if you have not done so already.
This was our early wakeup call
As Cristobal closed in on the Gulf Coast of the US, many people were caught off guard by how early a named storm struck so soon after the beginning of hurricane season. However, this was not even the first named storm of the season. Cristobal was a serious flood threat, and many areas along the Gulf and inland sustained significant flooding.
This seems like a good time to remind you that your homeowner’s insurance is not going to cover flood damage. Each year, many people are shocked to find out that the damage they sustain in a hurricane, or any other major storm, will not be covered if it has to do with flooding. Please, if you have not done so already this year, ensure that you have adequate flood coverage. The US government provides flood insurance through the National Flood Insurance Program (NFIP). Through this plan, homeowners can gain coverage of up to $250,000 for their structure and up to $100,000 for personal possessions destroyed.
More tropical storms and hurricanes are coming. We understand that homeowners insurance is not on the top of most people’s minds, but it is vital that you understand your policy. If you do need to make a claim, please remember that insurers are “for-profit” entities. Their claims adjusters will use various tactics to lower the total settlement they pay you in the aftermath of sustaining property damage.
Let our team help you today
If you have sustained any damage to your home or surrounding property throughout this hurricane season, you should be able to count on your insurance carrier to provide adequate coverage when you make a valid claim. At Insurance Claim HQ, we are here to help if your claim is delayed or denied in any way. You can contact our New Orleans bad faith insurance attorney for a free consultation of your case so we can discuss your next steps forward today.