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Stormy Weather and Insurance Claims Disputes



This year, it seems the cooler temperatures are really trying to hang on for dear life. For some people, that maybe a great thing, but for anyone who likes the warmer weather, they may feel a bit cheated. This is Texas, however, so I am sure this summer will more than make up for any lost time. With this year's penchant for cold fronts, comes a lot of rain. Anyone who has spent any amount of time in West Texas knows that with rain and thunderstorms comes a high chance for hail, high winds, and flooding. Recently, Merkel experienced a deluge that forced some families to evacuate their homes. Between flooding and tornadoes, it's a little frightening to think you can lose your home and everything in it in an instant. While it isn't something that most people want to think about, just ignoring the possibility for a disaster can leave you exposed to all kinds of trouble. For this reason, most people will purchase home insurance just in case something bad happens. 

Understanding Your Insurance Plan

Depending on what company you use for your home insurance, there may be different protocol to follow after you need to file a claim. The best thing you can do to help yourself out is to familiarize yourself with your plan that you bought for your home. That way, in the event of something unforeseen happening, you might be a bit better equipped to handle the claim process in an efficient manner. Understanding your plan may help, not only to speed things along, but to keep you from getting the short and of the stick when it comes to claims. One of the things that new home owners might not know is that certain types of disasters may not covered in your plan. That's another reason it's important to know it. With most policies, flooding is not covered and you have to get a separate policy to cover your home in case of high waters. Flooding isn't the only thing to worry about, either. Your home may be covered, but the items in the home may not, depending on what type of policy you have. 

Having an Insurance Dispute

Even if you fully understand your policy, there are times where insurance companies may employ tactics that are underhanded. If you find yourself in a situation where you feel like you are getting a raw deal, it may be in your best interest to get some help to fight back. Make no mistake that these companies are in business to make a profit. They want to keep payouts lower than how much money they are bringing it. If there is ever a sizable disaster that comes through an area and there are a high amount of claims filed in a short period, insurance companies may go into crisis mode to mitigate the amount paid out. You may get the run around or you might find it hard to get the ball rolling because they are dragging their feet. Typically, what may happen is they just give you a low-ball offer that may leave you footing some of the bill. No matter what is going wrong, they will have a team of lawyers on their side to help them try and get away with it. 


If you need help fighting an insurance company, The Galbreath Law Firm can help you. We have decades of experience fighting against insurance companies to make sure people get a fair settlement. While not all companies out there are bad ones, no insurance company is non profit. having someone on your side to help handle the legal aspects of a dispute might be the difference between footing part of the bill after a disaster and having the entire thing covered by insurance. You pay your premiums and uphold your end of the bargain, so why shouldn't they? Contact us if you have a dispute with an insurance company and you could use an experienced attorney on your side.