Having a storm damage your home is bad enough, but trying to get compensation for that damage can be even more stressful. That’s because getting your insurance company to pay a fair settlement is rarely easy and never simple.

Keep reading to learn when and how to negotiate a higher insurance settlement for your storm damage claim.

When To Negotiate for a Higher Insurance Settlement

The truth is, negotiating for a higher insurance settlement is virtually always a good idea. When you make a claim, you should have an idea of how much your claim is worth based on a settlement amount that would cover all of your expenses and losses. 

If the offer you get from your insurance company is less than that amount, you should negotiate for a higher settlement. A storm damage claim attorney can help you calculate a fair settlement amount and negotiate for a higher payout.

How To Negotiate for a Higher Insurance Settlement

Negotiating with an insurance adjuster isn’t a simple case of asking for more money. You need to be prepared to argue on your behalf. When negotiating for a higher insurance settlement, use the tips below:

• Contact an Attorney — An insurance attorney can help you determine what you’re owed and fight on your behalf to get it.

• Understand Your Policy — Understand what your policy covers and whether or not that includes the damage your home sustained. 

• Understand Your Claim — Carefully calculate how much your repairs will cost.

• Get Strong Evidence — Keep proof of all damage and documentation of all repair quotes or costs.

• Write an Appeal — Write a letter of appeal to your insurance adjuster explaining why you believe the company’s offer was too low, including evidence of your claims. Be polite and give a specific timeline for a response.

Keep in mind that there are cases in which failing to get assistance from an experienced storm damage attorney could jeopardize your settlement. If your insurance company is attempting to act in bad faith, either by delaying, lowballing, misleading, or falsely denying your claim, a bad faith insurance attorney can help you fight for whatever storm damage relief you may be owed.

Negotiating for Higher Storm Damage Compensation With Help From an Insurance Attorney

Storm damage can be incredibly costly. If your home was covered by a storm damage policy when it was struck, your insurance provider should be responsible for paying for that damage. However, there are many different tactics that homeowner’s insurance providers use to try to get out of paying what they owe.

If you feel your insurance offer is too low or your storm damage claim was denied, you should get help from a storm damage attorney. A storm damage attorney can help you interpret your policy, calculate your claim, and negotiate for a settlement.

If you think your insurance company is lowballing your homeowner’s insurance settlement, reach out to a storm damage attorney for help getting what you deserve.

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