Unexpected tornadoes ripped through North Texas on April 3, 2012, destroying hundreds of homes and displacing numerous families. The damage is substantial, and while many are trying to restore their lives, insurance companies may be looking for ways to cut their losses.
News outlets reported 13 confirmed tornadoes touched down, with winds measuring up to 150 miles per hour and softball size hail. About 650 homes and several businesses sustained structural damage. Only a few individuals were listed in critical condition at nearby hospitals and no fatalities were reported. The Red Cross and Salvation Army reacted quickly by setting up shelters and response teams to handle the influx of those without homes.
If you are a victim of a natural disaster, questions about where your family will live and how you will provide for them are only a few of the many concerns you have. Utilize emergency services to fulfill basic needs and reach out to family members and employers as soon as possible to explain your situation.
Emergency officials will not allow you back onto your property until it has met safety guidelines. As soon as you are able to assess your damage, it’s important you act responsibly and quickly to provide accurate information to your insurance provider. Follow these guidelines to better insure a timely response.
Assess the Damage
Make a detailed report of everything that was damaged in the storm: house, cars, outdoor areas, personal items, etc. The report should include initial costs, date of purchase and possible replacement value. Estimates allow insurance companies to evaluate your overall damages.
Take Pictures
You will have to describe in details what kind of damage your property has suffered. Pictures are helpful reference tools for insurance companies in their investigations.
Call Your Insurance Agent
After storms, agents should be on hand to receive claims. You may have to wait to speak with an agent, however, with so many people filing claims. Make sure you have your claim number, self-identifying information, and supporting evidence to move the process forward quickly.
If your insurance company is uncooperative in settling claims and you feel you are entitled to a form of payment, your case may be pursued in the court of law. Contact Parker McDonald Law immediately following a dispute with your insurance company. We understand the frustration and trauma people face when they desperately want to move on with their lives but don’t have the means after a natural disaster. Don’t allow the insurance companies to leave you behind.
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