Storm Insurance Claims Attorneys Farmington Hills MI
Michigan’s unpredictable weather can wreak havoc on your property. Severe storms can leave you with a shattered roof, ripped siding, or even a fallen tree on your house. While homeowner’s insurance should provide financial relief in these situations, navigating the claims process with your insurance company can be a frustrating experience, often leading to disagreements.
Fabian, Sklar, King & Liss is here to help. Our seasoned attorneys have a proven track record of assisting Michigan residents in obtaining fair compensation for storm damage claims. We understand the complexities of insurance policies and are committed to fighting for the maximum coverage you deserve.
What Does My Homeowner’s Insurance Cover in a Storm?
Most homeowner’s insurance policies cover a range of weather-related damage, including:
- Wind: This covers damage from high winds, tornadoes, and windblown debris.
- Hail: Damage to your roof, siding, windows, and other exterior elements is typically covered by homeowner’s insurance.
- Rain: Damage caused by rainwater entering your home through a compromised roof or windows is also included in most policies.
It’s important to be aware of potential exclusions or limitations in your policy. These might include:
- Flood damage: Flood insurance is a separate policy altogether and won’t cover damage caused by overflowing rivers or bodies of water.
- Earthquakes: Not all policies cover earthquake damage. Be sure to check your specific policy for details.
- Wear and tear: Insurance doesn’t cover damage caused by normal aging of your property, such as gradual deterioration due to weather or poor maintenance.
What to Do After a Storm
The first priority after a storm is ensuring the safety of yourself and your family. Once you’re safe, take steps to protect your claim:
- Document the Damage: Take photographs and videos of the damage to your property, both inside and out. This detailed documentation will be crucial when filing your claim.
- Contact Your Insurance Company: Report the claim as soon as possible, having your policy number handy. Don’t delay in contacting them, as some policies have time limits for filing claims.
- File a Detailed Claim: Provide a thorough description of the damage and the estimated cost of repairs. Keep copies of all paperwork for your records, including receipts for any temporary repairs you make to mitigate further damage.
- Mitigate Further Damage: Take reasonable steps to prevent further damage to your property. This might involve boarding up windows, tarping a damaged roof, or removing fallen trees from your property.
Contact Fabian, Sklar, King & Liss Today
Don’t let your storm damage claim become a stressful burden. Contact Fabian, Sklar, King & Liss today for a free consultation. We’ll stand by your side and ensure you receive the justice you deserve.