The state of West Virginia experiences severe weather from time to time – this includes windstorms, thunderstorms, heavy rains and even wildfires. Often, the more severe weather situations cause damage and destruction throughout the state that may take a lot of time to rebuild. High winds and heavy rain or snow, as well as extremely high temperatures, are known to cause damage to homes and businesses that may take months to rebuild. In these situations, homeowners rely on their homeowners insurance policies to help them repair and replace affected property.
Standard West Virginia Homeowners Insurance
In West Virginia, standard homeowners insurance covers a range of things to protect homeowners from having to account for unexpected events. These coverage options include dwelling insurance, which covers your home and attached structures, including electrical wiring, roofs, walls and floor damage.
For more serious situations, loss of use insurance coverage helps to support individuals whose homes are inhabitable following a storm. This coverage gives policyholders funds to find a temporary place to live, including staying in a hotel or other accommodation. Additionally insurance coverage through homeowners insurance includes personal property insurance, other structures insurance, and more.
It is important to note that while floods are often caused by severe weather, flooding damage to your home will not be covered under homeowners insurance. Instead, you must take advantage of a separate federal coverage option to support you after flooding damage affects your home.
Bad Faith Insurance Claims
Because of all the different scenarios and types of damages covered under homeowners insurance policies, following a severe storm, many people throughout the state of West Virginia will file a claim to get coverage. After filing a legitimate claim, you expect your insurance provider to treat your claim fairly and in good faith.
However, this may not always be the case. There have been instances where insurance providers do not treat claims fairly, including ignored claims or claims denied without reason. In the event this happens to you, you may be eligible to take legal action.
If you have a reasonable claim that has been denied, and your insurance provider does not provide proper explanation for that denial, you should contact an insurance lawyer immediately. These insurance attorneys will be able to determine whether your unique situation qualifies for a lawsuit, and if so, will help you with the following legal proceedings.
The law offices of Michael M. Raheb, P.A., have experienced insurance lawyers available to support you through any legal action against your insurance provider. Their team of expert West Virginia insurance lawyers will advocate on your behalf to ensure you get the coverage you deserve.
Following a storm, consider working with an insurance lawyer to file your claim. For even the most difficult claims processes, they can support you to help avoid bad faith claims down the road.