New Hampshire is no stranger to severe weather. Throughout the year, the New England state experiences its fair share of windstorms, hurricanes, tropical storms, or other inclement weather. Strong winds and high precipitation is relatively common during the fall and spring months, while snowstorms and hail frequent the state in the wintertime.
These instances of severe weather can come at a detriment to many people throughout the state. Those who are hit with the strongest of storms may ensure significant damages to their home and property. Often, these storms cause detriment in many areas – downed trees, fallen power lines, and ruined exteriors to homes and businesses significantly impact many communities throughout New Hampshire. Damages following these storms can cause lasting rebuilding efforts that come at a high cost.
Insurance Coverage & Severe Weather
Due to the frequency of severe storms in New Hampshire and many other states throughout the country, most homeowners insurance policies cover many types of damage following inclement weather. This includes damages related to fallen trees, lost roofing and siding on homes from wind, destroyed cars from snow or hail, and much more.
It is important to note that while most insurance policies cover various damages from different types of storms and natural disasters, flooding is not covered by homeowners insurance. Instead, a separate type of insurance policy is required to cover damages after flooding enters your home and property.
The New Hampshire Insurance Department recommends any individual that suffers from property loss in their home to contact their insurance agency as soon as possible to arrange for a visit from an adjuster. Here, an adjuster will be able to take stock of what was damaged and determine your coverage amount to begin rebuilding your home. A claim for insurance coverage must also be submitted, which includes detailed documentation of everything that was affected or destroyed as a result of the storm.
Bad Faith Insurance Claims in New Hampshire
Even when you submit a legitimate claim through your insurance provider, things may not always go as planned. In situations where you’ve submitted a claim for damage your are covered for under your insurance plan, it can be extremely frustrating when it is not handled as expected.
Some insurance providers may not act in good faith when it comes to managing claims submissions from policyholders. Sometimes, insurance companies will try to settle your claim for less than you are eligible for, refuse to provide accurate reasoning for a denied claim, or outright deny a claim altogether. These are considered bad faith insurance actions, which can be punished by law.
If you find yourself in this situation, you will want to reach out to an insurance lawyer immediately. An insurance lawyer will be able to support you through legal proceedings following a bad faith insurance experience.
The law offices of Michael M. Raheb, P.A., has experienced New Hampshire insurance lawyers available to support you in getting the coverage you deserve. Their team of expert insurance attorneys are here to help you get the money you need to begin rebuilding your life.