We will never forget Hurricane Helene. It changed our lives and the Augusta landscape in ways we are still discovering.
In addition to the emotional and physical tolls, the practicality of the damages are tough and frustrating. As life-long members of the CSRA, George Bush Law wants to help the community by providing some helpful information on how to navigate the complex process to recover.
In this article we give our perspective in understanding insurance policies, identifying eligible damages, and effectively communicating with insurance companies.
There are three types of insurance coverage that cover property. Most people in Augusta carry at least one of these.
Homeowners insurance typically covers wind damage, fallen trees, and structural harm caused by storms such as Helene. The standard homeowners policies often exclude flood damage. Renters insurance protects personal belongings and may cover additional living expenses if displacement occurs. Structural damages are generally the landlord’s responsibility.
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Flood insurance covers damages from rising water levels and is usually obtained through the National Flood Insurance Program (NFIP). Given Augusta’s susceptibility to flooding having this coverage is very helpful and even essential, but flood insurance can be expensive and is not common.
There is a concept in insurance policies called Covered Perils. These are specific risks outlined in your policy that are insured against. Understanding the perils designated in the policy helps in determining claim eligibility.
Insurance policies also contain exclusions. Common exclusions include damages from flooding, mold, and gradual wear and tear. Reviewing these exclusions is vital to set realistic expectations.
The good news is that Georgia law requires insurers to handle claims in good faith and within a reasonable timeframe. We are available to help you understand your insurance policies and fight for your fair settlement.
Damages that are eligible for insurance claims are classified into several categories.
In order to file a successful claim, documentation is required. This includes clear, timestamped photos and videos of all damages immediately after the storm. You also need detailed lists of damaged personal property, including descriptions, purchase dates, and estimated values. Maintenance records are also important. Home inspections, maintenance logs, and appraisals help to establish the property’s condition before the hurricane.
One of the most important things to do is request a complete insurance policy document to understand coverage details and exclusions. Even if you think you have the latest copy, it is never a bad idea to make sure that what you are reviewing is the same document as the insurance company.
Reporting damages promptly is also crucial. Georgia law mandates timely reporting.
Written records of verbal communications is another item that is often overlooked, especially in the immediate aftermath of the storm. Comprehensive records of all interactions with insurance representatives including dates, times, and discussion points are helpful. Confirming through email or certified mail is a best practice.
Understanding the adjuster’s role is not always easy. The insurance adjusters assess damages but may not account for all losses. Be prepared to provide thorough documentation.
It is not advisable to always accept the insurance company’s initial offer. Insurance companies may propose lower settlements initially. Review offers carefully and negotiate if necessary.
Do not misrepresent damages. Accurately report damages; exaggeration can lead to claim denial or legal consequences.
If your claim is unjustly denied, legal assistance can help challenge the decision. Legal counsel is also helpful in situations where the insurance companies are not operating in good faith. Unreasonable delays, inadequate investigations, or other mistakes should not occur but can be common especially in an event as massive as Helene.
When negotiations fail, an attorney can represent your interests in court to pursue fair compensation. Call George Bush Law and let us fight for you.
This website offers an overview of legal topics but is not a substitute for personalized legal advice. While we strive to provide accurate and up-to-date information, every legal situation is unique. Contacting us through this website does not establish an attorney-client relationship. For tailored guidance, please reach out to a lawyer licensed in your area.
