{"id":5085,"date":"2008-09-18T01:11:53","date_gmt":"2008-09-18T06:11:53","guid":{"rendered":"http:\/\/magic1host.com\/blog\/2008\/09\/18\/legal-hurricane-preperation-is-important\/"},"modified":"2008-09-18T01:11:53","modified_gmt":"2008-09-18T06:11:53","slug":"legal-hurricane-preperation-is-important","status":"publish","type":"post","link":"https:\/\/magic1host.com\/blog\/?p=5085","title":{"rendered":"Legal Hurricane preperation is important"},"content":{"rendered":"
by Atty Chris Lim<\/div>\n

Your insurance company has not forgotten about the damages paid out in previous years. Policy owners<\/a> in effected coastal and hurricane zone areas have seen rate increases year after year to pay for past losses and payouts for property damages. As a result, now is the time for home and property owners to evaluate their property casualty insurance to assure that they are covered in case of storm damage loss. Historically The worst storms form from August through October.<\/p>\n

Take photos and make a list of your personal property – Normally your insurance policy has different coverages for property and personal property damages (i.e. clothes, food, furniture). By taking photos or video of both the internal and external property of your house and taking an inventory of the major items will greatly assist any claim against your insurance carrier. <\/p>\n

Be ware of Shrubbery and Trees – Make sure you keep them maintained. trees and shrubbery branches often become trajectories during a storm. They can be a danger to your house and your neighbors.<\/p>\n

Take photos immediately after the storm of damages – Again, a photograph or even a short video is worth a thousand words. If you end up in an eventual dispute with your insurance company regarding damages the photos and videos you take right after the storm are normally your best evidence to show that damages occurred.<\/p>\n

Keep your important documents in a safe place – Assure sure you have birth certificates, auto titles, deeds, financial documents, and any other important documents. A small lock box, or hand held file carrier can be transported easily and is a safe way to transport documents with you if you are required to evacuate your home. <\/p>\n

If you lose power, save all receipts for food, hotels, and other expenses – If you are forced to evacuate your home quickly by authorities as a result of a pending storm; make sure you save your out of pocket expenses for spoiled food, hotel stays, and other expenses for having to leave your home. <\/p>\n

Contact your insurance company immediately after the storm – Don’t wait to contact your insurance company to see if you have damages, more then likely the insurance company will be swamped with calls for damages; get inline and contact your insurance carrier to assess your damages.<\/p>\n

Keep time for how long it takes you to clean-up. It may reimbursable. – Keep a small notebook and write<\/a> down your daily expenses for being out of your home. Things such as hotel, gas, and even food receipts may be reimbursable under your policy.<\/p>\n

Record the name and date of the insurance adjuster that visited your home. – It is critical when an insurance adjuster visits your home that they have the correct licenses and general liability coverages required for your state. <\/p>\n

Make sure the insurance company gives you a claim number – Once you contact your insurance company ask them for a claim number and note the time and date of your call and if possible the person you spoke with on the phone. Keep track of every conversation and keep notes.<\/p>\n

Do not sign any documents that say ‘release’ – Do not sign any releases on your claim. Depending on your state statutes, you may have several years to report a claim for damages.<\/p>\n

If you feel you have been underpaid on your claim contact a Lawyer, your insurance commissioner, or even a public adjuster if your state allows that specializes in first party contract claims. Insurance companies are in business because they take in more then they pay out, and the first pass of reimbursement for damages may not amount to what you are due under the policy for final damages as a result of your loss<\/p>\n

If you feel you have been underpaid on your claim contact an attorney, your insurance commissioner, or even a public adjuster if your state allows that specializes in first party contract claims. Insurance companies are in business because they take in more then they pay out, and the first pass of reimbursement for damages may not amount to what you are due under the policy for final damages as a result of your loss.<\/p>\n

\n
About the Author:<\/div>\n
Do you have hurricane damage call Lawyer Chris Lim at (800) 979-1937 or visit the website which provides legal services for Homeowner and Condominium Associations.<\/a> You can also contact AIM Law Group for help with Hurricane claims.<\/a> Laws vary by state please consult a local attorney.<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Your insurance company has not forgotten about the damages paid out in previous years. Policy owners in effected coastal and hurricane zone areas have seen rate increases year after year to pay for past losses and payouts for property damages. As a result, now is the time for home and property owners to evaluate their property casualty insurance to assure that they are covered in case of storm damage loss. Historically The worst storms form from August through October.<\/p>\n","protected":false},"author":1906,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[77],"class_list":["post-5085","post","type-post","status-publish","format-standard","hentry","category-business","tag-business"],"_links":{"self":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/5085","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1906"}],"replies":[{"embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5085"}],"version-history":[{"count":0,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/5085\/revisions"}],"wp:attachment":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}