The state of Missouri is familiar with tornadoes – located in the middle of Tornado Alley, a group of midwestern states that experience frequent tornadoes, Missouri is no stranger to the high winds. Each year, Missouri experiences an average of 45 tornadoes, most commonly during the more active periods of April through June. Each tornado is unique in the speed of winds, size, and length of time active, which makes it hard to identify when it is going to be a major issue. At their worst, tornadoes cause significant damage to homes and businesses due to the high winds, causing structural damage and uprooting other things that can take months to rebuild.

Rebuilding After a Tornado

Due to the frequency of tornadoes in the midwest, including Missouri, many homeowners have insurance coverage to support them should they be in an unfortunate situation where a tornado damages or even destroys their home. Most homeowners insurance policies have standard coverage available for tornadoes and other storms that result in wind-related damage. 

Given the nature of insurance coverage, most require the homeowner to meet a certain deductible before being eligible for payment following these instances of severe storms. For tornadoes and other damage related to strong windstorms, there is a separate deductible one must meet before being eligible for coverage.

Following a severe storm, you are required to submit a claim for coverage with the details of the damage and anything destroyed as a result of the storm. After you’ve met your deductible, you should be able to get the coverage you need as outlined in your insurance place. 

When Insurance Claims Go Wrong

Sometimes, insurance companies will treat claims unfairly, or refuse to pay out a claim when the policyholder has done their due diligence to act in good faith with their policy, including paying monthly premiums, remaining in good standing and submitting an appropriate, accurate claim.

Acting against the laws related to insurance policies and claims is regarded as acting in bad faith. Though the state of Missouri does not recognize first-party claims for bad faith insurance claims, policyholders are allowed to bring a lawsuit against an insurance company for bad faith, adn is called a “vexatious refusal to pay”. This includes instances when an insurance company refuses to pay out for a claim with no reasoning, ignores a claim or acts in any other unlawful way.

If you feel you may be a victim of a bad faith insurance claim, you will want to contact an insurance lawyer immediately. An insurance attorney is equipped to help you in these difficult situations as you navigate legal proceedings. The law offices of Michael M. Raheb, P.A., have expert Missouri insurance lawyers available to work with you as you advocate for the coverage you deserve. Their experienced insurance lawyers understand the laws related to insurance coverage in Missouri, and are able to identify unlawful action punishable by law.