In fall of 2017, Delaware experienced heavy rain and high winds on account of Hurricane Jose, which hit the eastern shore area. Initially seen to be a Category 4 Hurricane, the storm raged along the coast of Africa and moved across the Atlantic towards the United States. While moving across the ocean, the hurricane was reduced to a tropical storm upon hitting the shore. The hurricane caused waves that reached up to 12 feet high, resulting in far higher than normal tides, and water getting into neighboring areas and homes. The hurricane resulted in flooding throughout the Delaware shore area, affecting multiple homes in its wake.

Flood Insurance

Flooding can cause massive damage to a home that could take a long time and a lot of money to repair. If you live in an area that is susceptible to flooding, it is good to check if you have coverage for flooding in place through your insurance company.

Through the National Flood Insurance Program (NFIP), individuals can apply for flood insurance coverage to ensure their homes are protected in case of a flood on their property. Once you’ve confirmed you are covered for flood insurance, be sure to evaluate what your coverage consists of. Providers differ when it comes to what they offer in terms of deductible, coverage limits, and what types of damage are covered under the insurance plan.

After a flood strikes, you want to take the necessary steps to ensure you get insurance coverage as soon as possible. Proper documentation of the flood’s damage to your home and property, and any receipts for expenses of the things damaged are the types of proof you want to provide to your insurance agency to support appropriate claims payouts.

When Insurance Claims Don’t Go As Planned

After keeping track of your insurance details and faithfully paying your premium month to month, you expect your insurance agency to have your back when disaster strikes.

After filing a claim, insurance providers have a legal obligation to answer your claim in a specific amount of time, and must provide proper communication should your claim be denied. Though this is required by law, this does not mean it always happens. Sometimes, insurance providers will not process claims appropriately, leading to a bad faith insurance claim.

Insurance lawyers can support you if you experience a bad faith insurance claim situation, or need help filing a difficult claim. These insurance attorneys understand what is expected of insurance providers by law, and can help you pursue legal action should your claim not be treated lawfully. The law offices of Michael M. Raheb, P.A., have Delaware insurance lawyers available to help you use your evidence following your claims process to advocate on your behalf. Contact an insurance lawyer as soon as possible if you find yourself in a difficult, unlawful situation with your insurance provider.