ICE & SNOW INSURANCE CLAIM LAWYERS
We protect against denied or underpaid winter storm insurance claims
Winter storms are the third largest natural cause of catastrophic loss and property damage in the U.S. every year, placing just after severe thunderstorms and flooding. Many property owners face extensive damages or injuries from snow and ice, despite preparations and proper monitoring. Exterior and interior damages are caused by a wide range of things such as frozen pipes, heavy snowfall collapsing roofs, water damage, mold, and even fire damage from faulty electrical outlets and equipment. Most winter related insurance claims are generally covered, but many insurance companies will try to exclude or reduce coverages. Having experienced legal counsel when faced with considerable and costly damage is often crucial when dealing with a weather-related insurance claim.
ICE & Snow DAMAGEs
Winter storms can wreak major havoc on your home or business
Winter weather can bring great hazards through extreme cold, snow, ice, blizzards, freezing rain, heavy sleet and high winds. It can result in higher risks of car accidents, hypothermia, slip & fall accidents and other personal injuries, but a winter storm can also seriously endanger your property. What can start off on the exterior of your home or business, can often quickly make its way inside, as well.
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What kinds of property damages can occur from snow and ice?
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Structural Damage
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Flood Damage
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Burst Pipes or Plumbing Issues
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Ceiling Collapse or Roof Failure
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Mold or Mildew
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House Fires
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Fallen Trees or Broken Limbs
winter storm insurance claims
Galindo Law challenges insurance companies on undervalued snow & ice damage claims
The good news is that most insurance companies generally cover damages resulting from winter weather. The bad news is that some policies are written vaguely and open to the insurance company's interpretation of what is covered or excluded when it comes to damages.
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Winter Damage Claims Help
How do you know if you are getting a fair settlement for your winter weather-related property damages? Oftentimes policyholders can encounter difficulties when filing their insurance claims. They get low offers or are denied entirely for certain costly coverages. Property owners will often have to provide proof to the insurance company that their damages resulted from the winter weather and that there was proper maintenance and monitoring for it to even be covered. It can be a struggle to navigate the claims process alone. Hiring an experienced insurance attorney that works for you can be the best option for your claim. At Galindo Law, we can calculate your actual damages, negotiate with the insurance company on your behalf, and obtain the maximum settlement you deserve for your property damages.
common challenges of ice & snow claims
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Policy Definitions - Policies can deny or exclude coverages based on how the policy is written to define a damage.
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Stipulations - Where a coverage may exist, there are limitations on what is actually included.
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Proving Damage - The insured must prove that the damage resulted from a covered peril or that there was proper maintenance or monitoring for it to be covered.
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Evaluation of Damages - Often times an adjuster will miss, limit, or deny the extent of your property damages.
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Partially Insurable - There are specific parameters to a coverage under the policy.
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Exclusion Location - A policy can contain certain exclusions or conditions that you wouldn't find in the Exclusion section of your policy.