In June of 2020, Hurricane Isaias hit the east coast, affecting multiple states as it traveled throughout various areas. The hurricane had winds up to 70 miles per hour, causing significant damage to surrounding communities when it reached the state of Connecticut. Here, Hurricane Isaias caused multiple power lines to be destroyed, leaving thousands of Connecticut residents without power for days. The strong winds also took down various trees and housing exteriors, causing many people to evacuate their homes for shelter as their homes, cars and property experienced damage.
With the hurricane’s high winds also came tons of rain – multiple areas in Connecticut ended up flooding as a result of the storm. This caused deep internal damage to plenty of residents’ homes and furniture. Restoration of power lines, homes and other buildings took a significant amount of time following the storm’s departure.
Expensive Insurance for Flooding
Because of the frequency of hurricanes, tropical storms and flooding along the east coast, homeowners insurance often comes at a high premium. Coverage for storm and flood damage costs homeowners a lot of money to ensure their property is covered in the event of a storm hitting their community.
In certain areas of Connecticut, flood insurance is a requirement by federal law. If a home is located in one of the Federal Emergency Management Agency (FEMA) Special Flood Hazard Areas, mortgage lenders must make it part of a loan’s requirement to have flood insurance coverage. These areas are particularly susceptible to many floods during hurricane season, as they are places that are the most significantly hit by hurricanes. This mandatory insurance confirms homes in these areas will be able to get insurance coverage following damage caused by a hurricane or tropical storm that resulted in homes flooding.
First-Party Insurance Claims
After a flood damages your home, you will want to file a claim with your insurance provider immediately. Contacting your provider with your claims information as soon as possible will help you get the money you need immediately.
Sometimes, though, this isn’t how insurance claims go. There are cases where providers will be delinquent in responding to claims, or refuse to pay out for claims valid under your coverage plan. Additionally, some claims filing may be a difficult process, and there may be discrepancy with your insurance provider on how your claim should be handled. Here, it is best to contact an insurance lawyer.
Insurance attorneys understand what is expected from insurance providers following a flood claim submission. The law offices of Michael M. Raheb, P.A., have experienced Connecticut insurance lawyers available that can help you with all legal proceedings following a bad faith first-party insurance claim. These insurance lawyers understand flood and other homeowners insurance laws, and will advocate on your behalf.
Insurance lawyers understand it is not always easy to file a claim when there are discrepancies about what should be covered, and how to work effectively with your provider. For these more complicated claims filing processes, consider reaching out to an insurance attorney to help you file a claim.