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Ohio Hurricane Sandy Insurance Claims

In Atlantic City, New Jersey on October 29, 2012, Hurricane Sandy, dubbed a “super storm,” made landfall. Bringing winds that reached up to 90 mph and extended over 1,000 miles in diameter from the center of the storm, Hurricane Sandy wreaked devastation across thirteen U.S. states, from Maine to Virginia, in the following days. Damage from this storm was widespread and reached far inland, affecting residents in Ohio as well as those on the East Coast.

In storms of this size and magnitude, millions of people can suffer wind damage, flooding, and damage from flying debris, amounting to millions of dollars worth of damage. In an effort to make the necessary repairs and replacements to their homes, businesses, vehicles, and other property, most people file insurance claims with their insurance companies, hoping that their insurance will cover the majority of their losses. Sadly, many insurance companies choose to employ bad faith practices that cause people further harm through unfairly denied claims, delayed processing, and other complications. As such, many people are denied the financial assistance they need and deserve, prompting them to seek legal help in an effort to get the money they need after a storm like Hurricane Sandy hits.

What Happens Next?

Due to the sheer magnitude of storms like Hurricane Sandy, insurance companies usually find themselves trying to fulfill and respond to thousands of insurance claims at once. In an effort to manage such a large number of claims, many insurance companies look to independent adjusters for help assessing damage and evaluating claims. However, this often leads to errors being made and claimants being treated unfairly. In an effort to save money, many insurance companies may try to unfairly deny claims, delay processing of claims, and misrepresent or undervalue damage to property, among other unscrupulous acts.

While independent adjusters can help process a large volume of claims quickly, the sheer number of claims filed often leads insurance companies to hire inexperienced or undertrained adjusters. As a result, this can lead to inaccuracies in reporting damage or making estimates, which causes substantial financial harm to claimants who are left to make up the difference between what is paid to them by their insurance company and what their losses actually cost, often amounting to thousands of dollars.

Take Action to Protect Your Rights

To make sure your rights are protected throughout the claims process, be sure to follow these steps:

  1. Begin protecting your property from further damage or loss as soon as you safely can do so, while also making sure to keep records of any repairs, replacements, or other expenses related to the disaster and the damage it caused.
  2. As soon as possible, file a claim for your property damages and losses. Make sure to keep a record of this claim, who you filed it with, the claim number, and when it was filed.
  3. Keep detailed notes and records throughout the claims process. From whom you interact with, such as the insurance company or adjusters, and when and how you interacted with them to the length of the interaction, what was said, and any comments made regarding the damage and claim, make sure to make detailed notes about everything. This includes keeping copies of any emails, letters, or other documents you receive related to the claim.
  4. Update or create a list of your property, including receipts of purchase or renovations. Additionally, take photographs and make notes of damaged or lost property.

Getting the Help You Need

When you have a policy with an insurance company that is supposed to provide financial assistance when accidents or disasters occur, you expect your insurance company to uphold this policy and pay you appropriately for the damages and losses you sustain. Unfortunately, some insurance companies fail to interpret policies accurately, make processing errors, fail to properly assess damage, and make filing claims more difficult in general. If you suffered losses in Hurricane Sandy and you are looking for help in making sure you get what you deserve according to your insurance policy and the law, an experienced attorney can be an invaluable asset. To learn more, contact the attorneys of Williams Kherkher today at 888-384-6376.