The average hurricane is estimated to cause approximately $1.8 billion in damages when it makes landfall in the U.S. With approximately 70 hurricanes, tropical, or subtropical cyclones hitting the state of Texas alone since 1980, that averages to about two such events per year. Additionally, these figures do not take into account other events similar to hurricanes such as tornadoes, floods, or severe thunderstorms.
How Hurricanes Damage Property
Hurricanes are most likely to damage a property through sustained, high-speed winds that can reach up to 157 miles per hour at strongest (Category 5) and 75 miles per hour at weakest (Category 1). Even properties that are built well can sustain damage to their roofs, siding, decks, patios, and/or the entire property can be destroyed from top to bottom if the storm is severe enough. Hurricane insurance is designed to cover:
- The cost to repair or replace a home
- The cost to repair or replace buildings attached/unattached from a property such as a garage, guesthouse, sheds, etc.
- The cost for temporary living if the occupants are displaced by the storm
- The cost to repair or replace items that were damaged inside the home such as furniture, appliances, electronics, jewelry, personal items, and more
- The cost to repair or replace landscaping, trees, and other exterior items
- The cost to repair or replace any vehicles, machinery, or other equipment located on the property
Hurricane Damage to Person
When someone suffers a personal injury from a hurricane, they may also be covered under their homeowners’ insurance, but the maximum claim amount is often low, especially if the injury is severe.
Visitors to the property who are injured as the result of a hurricane may choose to file a suit against the property owner, and many homeowners’ insurance policies require the insurance provider to represent the insured in court. They may even be required to pay the plaintiff if the court rules in his or her favor.
Hurricane Damage Claims
When a hurricane claim is filed, disputed damages often include:
- Bad faith claims – the insurance provider has a duty of good faith to be fair to its customers, a violation of which is called “bad faith”
- The amount of complex damage disputes
- Structural damage and foundation claims
- Low-ball payments, or payments far below the fair price of replacement or repair
- Mold remediation
Hurricane Damage Attorneys
Our firm has successfully handled significant claims against the country’s largest insurance carriers. We have the experience needed to deal with your insurance company. If your insurance company is not being fair with you, contact Dax F. Garza, P.C. to discuss your legal options.