Hurricane Insurance Claims

Know Your Disaster Coverage

Many homeowners along the Gulf Coast have spent decades making saving up and making mortgage payments on their homes. Unfortunately, hurricanes Rita and Katrina have wreaked havoc on the area. Many of the homes in the area are either damaged or destroyed. The critical question for homeowners is whether the damage was done by wind or flooding.

Most of these homeowners are now learning that their homeowners insurance claims are being rejected by their insurance companies - some for unjust reasons.

As insurance companies such as State Farm, Nationwide and Allstate are attempt to send out personnel to hurricane affected areas, the expertise of some adjusters have come into question.

So far there have been hundreds of reports of inexperienced adjusters who have been too quick to reject claims. This is causing unnecessary agony for homeowners who now are faced with an uncertain future.

Many homeowners have insurance policies that do not cover flooding damages, but do cover wind damages. Because of Katrina & Rita, many properties have now undergone both flood and wind damage.

The legal concept behind flood versus wind damage is very complex and requires the analysis of legal professionals. Make sure you have flood insurance as well as home insurance coverage. Coverage amounts should exceed the replacement value of your house and it's contents.

For instance Mississippi has a lawsuit filed against insurance companies that argue that the distinction between flood and wind damage are very ambiguous in homeowners' policies.

Because of the complicated legal action involved, the flood versus wind debate will be lengthy and difficult to prove.

About the Author

To learn more about Allstate hurricane claims, Nationwide insurance claims and State Farm Katrina claims, please visit our website at http://www.resource4rejectedclaims.com

Related Pages

Flood Insurance - Reasons why you need flood insurance - Policy coverage tips and links to good sources.

Disaster Insurance - Why disaster insurance is a good idea - Protect your home against flooding, high winds, and earthquakes that regular home insurance often excludes from coverage.

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