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Connecticut Hurricane Sandy Insurance Claims

Hurricane Sandy made its way to land and into history on October 29, 2012 as one of the largest and most devastating storms ever on record in the Eastern United States. A “super storm” combination of several storm systems, the hurricane brought tropical storm force winds to bear on a 1,040 mile stretch of coast that affected residents of 13 different states with extreme wind damage, flooding, and flying debris which caused an unprecedented magnitude of a disaster zone in which countless families lost their homes and other property.

Many Connecticut property owners along the coast possess hurricane insurance policies which protect them from the serious financial burden of rebuilding after a storm, and will use the payments they obtain from these policies to move forward with the recovery process. Not all of these policyholders will enjoy fair and reasonable treatment from their insurance companies however, as many insurers attempt to minimize payments and avoid honoring their obligations through a variety of unscrupulous methods which deprive their customers of desperately needed payments. If you are involved in a dispute with your insurance company regarding damage sustained in Hurricane Sandy, the sooner you discuss your situation with a legal professional, the better. A lawyer can help you understand the full range of legal options available to you. To learn more, contact Williams Kherkher today at 888-384-6376.

What Happens Next?

Following the destruction caused by a major storm such as Hurricane Sandy, insurance companies are immediately flooded with an enormous volume of claims, frequently numbering in the tens of thousands. In order to quickly manage all of these claims, independent adjusting companies are often contracted to handle the inspection process and determine the value of the claims coming in on behalf of the insurance company. While in theory this practice should be highly effective, the reality of the situation is that a large number of policyholders are subjected to unfair practices which limit their ability to recover the full value of their damages, as insurance companies frequently attempt to minimize their obligations, saving millions by settling claims for less than they are actually worth.

These third party adjusters have a number of shortcomings, and are frequently highly under trained for the tasks they are asked to perform as they are hired and trained quickly in direct response to the sudden need for services following a hurricane. When an adjuster fails to correctly identify hidden damages or undervalues the extent of damage, the result is a direct loss by the policyholder who will be left holding the bill for the difference between the actual cost of repairs and the payment offered by the insurance company. These types of inconsistencies can cost property owners thousands of dollars.

Steps You Can Take to Enforce Your Rights

  1. After securing your own safety and that of your family, the next step you should take is to take any reasonable measures you can to prevent further damage to your property. In the process of such emergency measures, be sure to keep a record of your expenses, as well as any temporary housing expenses you may incur.
  2. Report your claim immediately to the insurance company and make a record of the time and date of your call. Additionally, write down the name of the individual you spoke to and the claim number that was assigned to your case. Obtain a copy of your insurance policy so that you may refer to it throughout the claims process; you can request this information from your insurance company if you do not already have a copy.
  3. Carefully record all the details of the claims process as it progresses. Whenever you speak to a representative at the insurance company, be sure to ask for their name and record it along with the time and date of the call. When the adjuster arrives to inspect your property, record their name, the company they work for, and the details of the inspection such as how long they were at the property, whether they inspected hard to reach areas such as the roof and attic, and whether they asked you about personal property loss.
  4. An exhaustive inventory of your personal possessions can be highly advantageous while working with the insurance company, so make one if you did not do this before the storm. Photograph your belongings and gather all the invoices and receipts you can find for purchases and any upgrades that were made to the house.

Can Someone Help Me Recover All That I am Entitled to Under My Insurance Policy and the Law?

Insurance law is a complex field, and most individuals attempting to make a claim are fighting an unfair battle against an entity that does not have their best interests in mind and possesses vastly superior resources. With the assistance of a skilled legal representative, you can be sure that a qualified professional is working to protect your rights and interests as you work to resolve any disputes with the insurance company. To learn more about how a lawyer can help you combat any unfair insurance company practices, call Williams Kherkher at 888-384-6376 today.