Wind Damage Lawyers in San Antonio Seeking Fair Compensation For Our Clients
Wind damage can cause significant financial losses to your home or property due to excessive speeds and the flying debris that it generates. Even with the best preparations, hurricanes, thunderstorms, or tornadoes can still devastate whole communities and have long-term effects on the lives of those who were affected.
High winds and flying objects have the capability of easily destroying your home. Some of the more common property damages that occur due to high winds are broken and shattered windows, roofs ripped off from the structure of the building, water damage from rain being allowed to enter the home, and fallen trees.
High winds that cause excessive damage are usually widespread and cause many policyholders to submit claims to insurance companies at the same time. Inevitably this will cause insurers to want to protect their financial assets, and they may begin to undervalue or deny insurance claims in an effort to save the company money.
If you have suffered property damage due to high winds, you need to consult with an attorney before you file your claim. Insurance companies are more prone to giving you a fair settlement for your claim if they know that you have an attorney who will fight for your rights.
Contact the law offices of Flores & Pelaez-Prada PLLC by calling us at 210-361-0070 to schedule a free initial consultation. We will be happy to review your case and determine the best approach to move forward with your claim.
How do I Know if I Have Enough Wind Damage to File a Claim?
If you believe you may have a legitimate wind damage claim but are still not certain, there are a few things that you can do in order to make a determination.
First, begin by making an inspection of the outside of your home or property. Some of the tell-tale signs of extreme wind damage include the following:
- Dents in your roof shingles or gutters.
- Dents or even holes in your siding or fascia boards.
- Broken or cracked windows, frames, or skylights.
- Damage to your air conditioning unit, specifically the coils.
- Check with your neighbors; if they are repairing or replacing their roof, there may be a good chance that yours has been severely damaged as well.
Repeatedly, many policyholders make the mistake of filing claims that the insurance company may consider to be frivolous. However, in situations where there is strong evidence to support your assertion of wind damage, go ahead and file a claim.
If I File a Claim, Will My Premiums Go Up?
What is interesting about the concept of insurance is that individuals pay their premiums with the idea that if they need it, they will file a claim to receive financial compensation. Nevertheless, many times when the time actually comes to file an insurance claim, many policyholders are hesitant to do so because they fear that their premiums will go up as a result of their policy being canceled.
What actually drives premiums up is when large numbers of homeowners in your area submit claims to their insurance companies. In other words, if your neighbors all sustain extensive property damage, the insurers will determine that your particular location is a risk. As a direct result, your premiums, in all likelihood, will increase. This will be the case whether you personally make a claim or not.
There is a clause in many insurance policies that discusses what is deemed “Acts of God.” Claims related to this clause are those that result from a hurricane, hail damage, tornado, and windstorm. However, it should be noted that natural disasters such as earthquakes and floods are not covered under this clause.
These types of events are predetermined to be out of a policyholder’s control, and as such, you cannot be penalized for making a claim when they cause damage to your property. Consequently, if claims are filed under the “Acts of God” clause, the law prohibits any increase in your premiums, cancellation, or non-renewal.
If you require assistance with a wind damage claim or need answers to legal questions that pertain to the type of coverage outlined in your policy, call the law offices of Flores & Pelaez-Prada PLLC by calling us at 210-361-0070. We will be more than happy to assist you and answer your questions.
Why Should I Hire a Wind Damage Attorney in San Antonio, TX?
Because San Antonio regularly experiences strong wind damage, the attorneys at our law firm have a vast amount of experience in dealing with these types of claims. We are also very familiar with many of the tactics that many insurers may try to use in order to undervalue or deny claims. We have the legal knowledge and ability to stand up to the insurance companies and fight for the compensation that you deserve for your claim.
In most insurance claims, there is normally a large amount of work that needs to be completed before a claim can be rightfully submitted. A lack of documentation and/or errors made when filling out the paperwork can result in your claim being delayed during the processing phase and perhaps even denied.
Contact Flores & Pelaez-Prada PLLC Today
Our skilled attorneys can walk you through the often complicated and confusing process of filing a claim and review it before you submit it to your insurance company. If the insurance company is aware that you have already retained an attorney to advise you through the claims process, you stand a much better chance of having your claim approved sooner than if you tried to file it by yourself.
Call Flores & Pelaez-Prada PLLC today at 210-361-0070 and schedule a free consultation. We greatly look forward to serving you.