There's nothing worse after a storm than trying to deal with all of the damage your property may have suffered. While we may hope our insurance provider will cover our losses, sometimes these companies put up a fight about your coverage. 

Having your storm damage claim denied can make a stressful situation even worse, especially when your insurer is acting in bad faith to avoid paying out what you deserve. Your storm damage attorney highlights five tactics home insurance companies use to get out of paying storm damage claims. 

1. Storm Damage Claim Denied by Delaying on Purpose

A common tactic insurance companies use to deny your claim will be to put up as many roadblocks as possible to delay payment for as long as possible. They may request documents from years back or even ignore your attempts at communication to put additional pressure on you. 

All of this is intended to force you into accepting a lower payout than your situation may warrant. Make sure you have an insurance attorney on your side to help you navigate the claims process to ensure you get what you are owed. 

2. Denied Because They Say You Didn’t Try To Prevent Storm Damage or Didn’t Maintain Your Property

Another way you may see your storm damage plan denied is via petty claims that the damage was your fault. For instance, the insurer may say that you haven’t maintained your roof and, as a result, water leaked into your home, causing damage. 

If the truth is that your shingles were blown off during the storm, which led to the damaged roof, the insurance adjuster may still attempt to fabricate the situation to make you look at fault. 

3. The Insurance Company Acts Like Your Friend

If your insurance adjuster starts acting overly friendly, they may be trying to gain your trust in order to take advantage of you. This may result in you sharing information that can be used against you; that’s why it is so important to work with a storm damage attorney to ensure you don’t discuss anything that could harm your claim. 

Remember that insurance companies are a business and their ultimate goal is profits, not paying out their clients. 

4. Giving Lowball Offers

A popular tactic you may see is the insurance company undervaluing your claim. They may say that the repairs you need after a storm cost much less than what they are actually worth. 

By purposely delaying your claim, as mentioned above, and giving lowball offers, they are attempting to put you in a difficult situation to force you into accepting whatever you can get. Working with an insurance lawyer will help you to protect your best interests.  

5. Lying About Your Coverage

This is another big tactic you may see; your insurance provider may outright deny you by claiming that your coverage was not sufficient for the damages. 

Figuring out the labyrinth of your insurance policy on your own is hard and is exactly why insurance companies use this tactic. In order to best understand your policy, you should work closely with a storm damage attorney to determine what is covered. 

Get the Compensation You Deserve With the Help of a Bad Faith Insurance Attorney

You don't need to just accept whatever your insurance company offers you or even a denied insurance claim. If you feel that you're being treated unfairly and dealing with bad faith tactics, then you need a bad faith Insurance attorney. 

With an insurance attorney on your side, you can get the compensation you deserve. After all, you have been paying for the coverage! Reach out today and see how a storm damage attorney can help you.

Let a storm damage attorney help you fight a denied insurance claim. We’re here to help you fight for the compensation you deserve. Get in contact with us today.

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