Frequently Asked Questions
What do I do after the hurricane in regard to my claim?
Here are some of the essential steps you should take to protect your right to compensation:
Mitigate property damage. If possible, board up broken windows and place a tarp where necessary. This can help prevent insurance companies from trying to argue that additional damage occurred after the fact.
Take plenty of pictures and videos of the damaged areas. Include both property damage and personal items. Photos and videos will serve as critical evidence as they show the extent of the damages. Make sure you have pictures of your property before the storm for comparison.
Create a list of all the items that were damaged.
Keep a detailed record of your communication with the insurance adjuster.
Save all important paperwork and receipts related to your claim.
When you access the damage and evaluate your claim with the skilled and experienced attorneys of Block Law Firm, we will help you understand all of your legal options. Allow us to fight for the compensation you deserve.
What does homeowners insurance cover?
Homeowners insurance coverage typically varies from policy to policy. However, in general, homeowners insurance policies cover:
- Repair costs for the home
- Repair or replacement of damaged personal property, such as appliances, clothes, and furniture
- Living expenses, such as temporary accommodation and medication
Homeowners insurance will cover damage caused by hurricane winds and rain. However, it will not cover flood damage. You will need to have special flood insurance coverage for that.
Should I talk with an insurance adjuster?
We advise our clients not to talk with insurance companies without a lawyer present. Insurance adjusters will often try to use your own words against you to reduce or deny your claim. Block Law Firm can handle all aspects of your Hurricane Ida claim, which includes handling all communication with the insurance companies.
How do I pay for your legal services?
Our attorneys receive a contingency fee based on the recovery we obtain for our clients that pays for all of our fees and costs. You will have no out-of-pocket expenses for the work we do on your Hurricane Ida case.
To Do List Following Storm Damage
- Take numerous photographs as well as video to document ALL damage (however small)—and make sure to do this before mitigation efforts have begun.
- Remember that you have a duty to mitigate the loss and/or protect undamaged property from further loss or damage.
- Immediately report all damage to your insurance company or insurance agent.
- Request a complete, updated version of your current insurance policy.
- Carefully review your insurance policy with your insurance agent or attorney.
- Create a comprehensive list or inventory of damage to your property and possessions.
- Connect with reputable emergency services and/or restoration contractors.
- NEVER pay any company upfront for repairs. Reputable firms will not ask for a deposit and return later to perform the work. It’s best to obtain a signed contract, if possible.
- Prepare for an insurance adjuster site visit to inspect damages.
- Don’t be afraid to ask questions if you have any concerns or need more information.