Homeowners Insurance, Commercial Property Insurance, Fire, Flood & Storm Damage Claim Attorneys
Need assistance with an insurance claim?
Why do you need a lawyer if your home, office or commercial property is damaged or destroyed by a hurricane, tornado, fire, flood or other catastrophe?
You need a lawyer to ensure that you are compensated for the damaged property to the full extent of your insurance policy. Homeowners insurance companies, commercial property, fire and flood insurers are well-known to underestimate and undervalue the amount of property insurance claims for one simple reason – because it pays them not to pay you.
Often, property insurance policies are complex and contain numerous different insurance coverages that laypersons fail to consider or seek recovery for. For example, not only can a homeowner or commercial property owner be compensated for the structural damage to their home or commercial property, but you can also be compensated for things such as additional living expenses, damaged contents, debris removal and recoverable depreciation.
Insurance companies often won’t tell you what you’re able to claim, but rather wait for you to claim such items, and when you do, try to pay you less for what you claim.
Additionally, if you try and handle your property damage or storm damage insurance claim without a lawyer, the homeowners, commercial property, fire or flood insurer responsible for insuring your property will surely try and low-ball you and pay out less than you are entitled to. It is common for our firm to see property and storm damage insurers outright deny claims or estimate claims to be below the insurance deductible before our involvement. However, after our involvement, we are routinely able to get the involved insurance companies to reverse their denials and increase their estimates and offers by 100% or more.
The property and storm damage lawyers at MORE 2 YOU LAW, PC, can analyze your insurance policies, obtain independent estimates, submit your case and claims to appraisal or arbitration, and file lawsuits against your insurer to ensure you get every penny you deserve pursuant to your insurance agreement.
Don’t let the stingy insurance companies and their bought and paid-for adjusters convince you that your property is worth or damaged less than you know to be true. Instead, hire the property and storm damage lawyers at MORE 2 YOU LAW, PC, to seek the most possible from your insurance company and get the compensation you deserve.
Further, you may ask what a lawyer will charge to handle my homeowners, storm damage, or other property insurance claim? And that is a very good and important question. The answer to what a lawyer will charge to handle your case is simple – it varies – often from 33% to 45%. However, at MORE 2 YOU LAW, PC, we charge only 25% or less to handle your property or storm damage case and that LOWER FEE makes a BIG DIFFERENCE – we call it, the MORE 2 YOU DIFFERENCE.
For example, imagine the hypothetical but all too common scenario where your home, office or commercial property is damaged in a hurricane. After the storm, you contact your insurance company without a lawyer (HINT: not a good idea). The insurance company then sends out a field adjuster to review the damage to your property caused by the storm. You meet with the adjuster at the property and they say all the right things – “don’t worry, we’ll take care of you,” “we’ll get this place fixed and back up-and-running,” etc. However, a few weeks later you hear back from your insurance company that they’re only willing to pay $10,000 for your property damages. You’re shocked, and you should be. Then, you contact MORE 2 YOU LAW, PC, and we begin working with the insurance company on your behalf. We obtain reimbursement for your additional living expenses, we gather documentation of your damaged contents and get you paid for those, we obtain our own estimate of the property damages and submit it to the insurance company. After negotiating with the insurance company we are able to get you $100,000 as opposed to the $10,000 the insurance company was initially willing to pay – an increase of $90,000. Lots of lawyers who charge 33% to 45% would take an attorneys fee of approximately $33,333 to $45,000 – leaving you with a good deal more than when you didn’t have a lawyer, but less than if you had hired the property and storm damage lawyers at MORE 2 YOU LAW, PC. At MORE 2 YOU LAW, PC, we CHARGE YOU LESS of a fee (25% or less) – meaning that in the above example we would charge a fee of $25,000 as opposed to $45,000 – leaving you with an extra $20,000 than if you hired other lawyers and $65,000 MORE than if you had not hired a lawyer at all.
THE TAKEAWAY: if your home, office or property is damaged by a hurricane, tornado, storm, fire, flood or other catastrophe, YOU NEED A LAWYER. More specially, you need the property and storm damage lawyers at MORE 2 YOU LAW, PC.
Contact the property and storm damage lawyers at MORE 2 YOU LAW, PC, today so that you can recover the MOST MONEY POSSIBLE and experience the MORE 2 YOU DIFFERENCE.
When disaster strikes, property owners rely on insurance to cover their losses — but too often, insurers deny or undervalue valid claims. Our Alabama property damage attorneys represent homeowners and businesses facing losses from fire, flood, tornadoes, hurricanes, and storm damage. We fight to make sure your insurer lives up to its obligations.
Our team handles both residential and commercial insurance disputes, standing up to companies that act in bad faith. Property damage cases often overlap with construction defect claims, breach of contract disputes, and even wrongful arrest matters in cases of unfair accusations. Trust our firm to protect your investment and your future.
FAQs
How to deal with storm damage?
After a storm damage event, first document all property damage with photos and videos and take steps to prevent further loss. Then, file a storm damage insurance claim promptly with your insurer, keeping detailed records of repairs and expenses. If the insurance company delays, underpays, or denies your claim, a storm damage attorney, property damage lawyer, or insurance dispute lawyer can assist you and even help you sue the insurance company if necessary.
What is covered by storm damage?
Storm damage coverage typically includes roof damage from storm events, wind damage, hail storm damage claims, and sometimes flood damage insurance claim, depending on your policy. A property damage lawyer or storm damage attorney can review your policy to confirm what is covered and help with a storm damage insurance claim if the insurer disputes it.
What does storm damage mean?
Storm damage refers to damage caused by severe weather such as wind, hail, hurricanes, heavy rain, or storm surge that affects homes, vehicles, or personal property. A storm damage lawyer helps property owners prove losses and pursue proper insurance payouts.
You should document all damage immediately, prevent further loss if safe, and file a storm damage insurance claim as soon as possible. If the insurer delays, underpays, or denies the claim, insurance dispute lawyers can step in to protect your rights.
How long after a storm can I file a claim?
How long after a storm can I file a claim?
Insurance policies set strict notice requirements, so waiting too long can risk denial of your storm damage insurance claim. Consulting a residential property damage lawyer early helps preserve evidence and meet all required timelines.
Who pays for the hurricane damage?
Hurricane damage is usually paid by your insurance company under your hurricane damage insurance claim, subject to deductibles and coverage limits. If the insurer refuses to pay fairly, a hurricane property damage lawyer can help sue insurance company to recover full compensation.
What is classified as property damage?
Property damage is any harm, destruction, or loss to residential property, commercial property, or personal property caused by events like storms, hurricanes, floods, fires, or accidents. A property damage lawyer or personal property lawyer can help assess the damage, determine insurance coverage, and handle a property damage insurance claim if your insurer disputes the payout.
What are the property damage laws in Alabama, Florida, Georgia, and Mississippi?
Property damage laws vary by state, but homeowners and business owners in Alabama, Florida, Georgia, and Mississippi generally have the right to seek compensation when their property is damaged by storms, hurricanes, accidents, negligence, or other covered events. If an insurance company wrongfully denies, delays, or underpays a valid claim, a property damage lawyer can help protect your rights and pursue the compensation you deserve. Each state has its own rules regarding insurance claims, filing deadlines, and legal procedures, so it’s important to act promptly and consult an experienced attorney to ensure your claim is handled correctly.