Hurricane Claim Attorneys in Panama City, FL
After a devastating weather event, such as Hurricane Michael, it seems everyone is an expert on hurricane insurance claims. There are public adjusters and attorneys advertising everywhere, many of whom are from outside of our area. When this happens, it can be difficult to know who to trust. Where do you turn for help? At Manuel & Thompson, we are living in the aftermath just like you. Our main office and our homes have all been affected. Like you, we are facing a new “normal.” We know this is a difficult time for many people, and we are here to help.
Navigating through an insurance claim for your home or business can be confusing and frustrating. There are many law firms and attorneys claiming to be “hurricane lawyers”; however, the truth is, very few have the experience needed to sufficiently assist you through the process. At Manuel & Thompson, our attorneys have extensive experience in handling insurance claims including homeowners’ coverage issues. Let us help you. Long after the blue tarps come off our roofs and out-of-town attorneys are gone, we will still be here. We are in this together. Consultations and case evaluations are free. If you need a legal team you can trust during this difficult time, contact Manuel & Thompson, your truly local hurricane claims attorneys.
Hurricane Preparedness: Before the Storm
Before a hurricane, you must be prepared to react quickly to any damage that occurs to the best of your ability. Make sure that you have all of your important documents, including your homeowners’ insurance policy, in a safe place that you can easily access in the aftermath of the storm. In the days before the storm, you should ensure you conduct an inventory of all of your property. This can quickly and easily be done by taking photos of the inside and outside of your property, as well as photos of specific things you own, such as electronics, appliances, furniture, and more. You may want to try and photograph the barcodes of these products as well so they can easily and more accurately be appraised if damage occurs.
What should I do after a hurricane damages my home or business?
Did your home or business sustain damage during a hurricane? There are a few simple steps you should take to have your claim handled in a prompt and fair manner. These steps will be important, should you get a low-ball offer or denial of your claim.
Cover up damaged property: Mitigate damage wherever safely possible. Examples would be to have roof damage covered with tarps and water mitigation where practical. If you fail to take reasonable steps to mitigate damage, your insurer could use that as a basis for a denial.
- Document everything: Photos of damaged areas and property will be key to proving you incurred the losses. Make an inventory of damaged items to accompany the photos you take.
- Keep receipts: If you have to buy items after the storm to mitigate or repair the damage, keep receipts for possible reimbursement. Depending on your specific policy, this may also include living expenses such as lodging, food, and gas if you are forced to evacuate your home.
- File your claim promptly: Your insurance policy requires you to file your claim promptly. Get organized and use a folder to keep all claim-related materials in for future reference.
Contact a Panama City Hurricane Claim Attorney
At Manuel & Thompson, we understand how devastating the aftermath of a major hurricane can be because we are right here with you. If you are dealing with an insurance company that is low-balling, delaying or denied your claim, please contact us. Manuel & Thompson attorneys have 30 years of experience in handling insurance claims, including hurricane claims. Contact us today for a free case evaluation and ensure you follow us on Facebook for updates and information.