Wind Damage Lawyer
Wind Damage Attorney in Denver, Colorado
Effects of Wind Damage on Your Property
Fallen Trees and Other Debris
- Pieces from other buildings like gutters, wood, and glass
- Rocks and pebbles lifted from the ground
- Fence posts, playground equipment, and mailboxes
- Lawn furniture
- Uprooted trees or weakened branches.
Power Outages
Building and Landscape Disruption
- Roof damage: Forceful winds can blow shingles off roofs, exposing the subroofing to the elements. If a large tree falls, it could crash into and destroy the roof completely.
- Siding damage: Powerful winds can peel vinyl siding off of a house or building. A large object colliding with your home could also leave sizable damage in your walls.
- Window and door damage: Even small wind gusts can hit like a truck, and they can easily shatter glass windows or rip doors off their hinges. Damage is often exacerbated by debris crashing into windows.
- Vehicle damage: Particularly severe windstorms might cause vehicles on the road to roll over, while branches and trees might fall on nearby cars.
Wind Damage Claim Denials
Why an Insurance Company Might Deny a Claim
- Capped policy: Many policies will only cover a certain amount of damage before reaching their limit. You might receive a denial if you’ve already reached your cap.
- Missed deadline: Insurance providers expect their policyholders to file claims within a specific timeframe. Failing to file before the deadline could result in your claim being rejected.
- Unmet deductible costs: Your repairs from the wind damage must meet a minimal coverage amount. Otherwise, your provider may not pay for the services.
- Too little documentation: You need plenty of photo or video evidence, plus a few service estimates to support your claim. Otherwise, your provider may deny your claim for a “lack of evidence.”
- Suspicions of intentional damage: Insurers can reject claims if they suspect their policyholders purposefully damaged their homes to receive coverage.
- Property neglect: Some insurers hold policyholders accountable for damages caused or accelerated by property neglect. Maintaining your home and other structures on your property is essential.
- No precautions: Your provider may rule that the damage was avoidable on the grounds that taking the proper precautions could have limited the damage. For example, boarding up windows protects panes from shattering.
- Unpaid balance: If you don’t consistently pay your insurance premiums, you may receive a claim denial until you can rectify the account balance.
- Inaccurate claim statements: Your provider will likely check the claim details to ensure they all align. Claim discrepancies can lead to denials.
- Policy exclusions: Review your policy to clarify what it will cover. If it doesn’t include wind damage, you won’t be eligible for coverage.
What To Do When You File a Claim
Handling Denials With a Wind Damage Attorney
- Review the denial letter with your lawyer. The letter should clearly outline the reason(s) your provider denied the claim. Your lawyer will know how to move forward with the issue.
- Your lawyer drafts and sends an appeal letter. A formal appeal letter will communicate why the denial doesn’t apply to your wind damage situation.
- Schedule a re-inspection request with an adjuster. Your provider might schedule an additional inspection. You might have a third-party contractor and your attorney present for this event.
- Ask about resolution information. After the second inspection, request a specific date that you should expect to hear back from your company.
- Ask again if the resolution date passes without any new information. If you don’t receive a response by the predetermined date, send a follow-up letter regarding the denial and additional findings.
- Discuss how to move forward with your Denver lawyer. If you don’t receive a response, consult with your lawyer about escalating your claim.
Damages and Compensation Available
- Your insurance provider might offer underestimated or insufficient damage coverage instead of the full coverage needed to cover repair costs.
- Even if you receive the whole coverage amount, your provider might delay payments by giving you the run-around or not keeping track of its contractual duties.
- Claim denials can lead to additional damage. You might need the full coverage amount plus compensation for the repairs that developed while you waited.
Underestimated Damage
Payment Delays
Claim Denials
Dealing With Insurance
- How much experience do you have with wind damage claims like mine?
- Can you provide a ballpark estimate of how much your services will cost?
- Can you work with payment plans?
- How many wind damage cases have you settled in favor of your clients?
- Can you estimate the settlement amount for my case?
- How long do you think the legal process will take?
What To Do After a Windstorm Damages Your Property
- Collect hard evidence of the damage. Ready your camera and take photos of any damage that you can find. You can also record footage for real-time shots of affected structures and other areas of the property.
- Schedule a consultation with Fiedler Trial Lawyers. You don’t have to wait for a claim denial in order to contact an attorney for help. We can advise you on additional evidence to collect and other information you may need.
- Protect your property as needed. Make small, makeshift repairs where possible to protect your home and personal belongings. Try to take pictures of the wreckage before any repairs are made so that the insurance company understands the full extent of the damage.
- Request estimates from trusted service providers. Always ask service providers who are not connected to your insurance company for their opinions. You can use their estimates to negotiate the compensation.
- Work with your attorney to organize and submit the information to your insurance provider. We’ll help you submit a factual, well-documented claim. The stronger your claim is, the less likely it is to be denied.
- Wait for your provider’s response. We are here to stand by your side every step of the way and guide you through everything that follows.
How Fiedler Trial Lawyers Can Help
Frequently Asked Questions About Wind Damage Insurance Claims in Denver, Colorado
What Should I Avoid When Submitting an Insurance Claim for Wind Damage?
Can I Negotiate My Wind Damage Insurance Claim?
How Can I Protect Myself From Wind Damage Claim Denials in Denver, Colorado?
What Do I Do If My Insurer Lowballs Me?
Frequently
Asked Questions
If you’ve been injured in an accident, there are several important steps you should take to protect your health and legal rights
- Dial 911 – Emergency Services. Get checked out by emergency responders, even if you think injuries are minor, you should always get evaluated. If the accident involved a motor vehicle, file a report with the police This documentation could be important later on.
- Document the Scene: If possible, take photos of the accident scene, your injuries, and any damage to vehicles or property. Collect contact information from witnesses and others involved in the accident READ MORE…
When involved in a personal injury claim, the process can be very intimidating. Many individuals facing this situation are often dealing with life-altering injuries, high medical bills, financial hardships and find themselves feeling very vulnerable.
Hiring a personal injury lawyer can be beneficial in a variety of situations, particularly when you have sustained significant injuries or damages due to someone else’s negligenceREAD MORE…
After being injured in an accident caused by someone else’s negligence, you may be wondering if you actually need to hire a personal injury lawyer. You would want to consult with an attorney, because in most cases, there will be an opposing party in your case that will be working against you. Choosing the right personal injury lawyer for your case is important to ensure you receive the best possible representation and outcome. Hiring a Denver Personal injury lawyer that specializes in that area of law is crucial, to ensure that you are getting proper representation, and your case is in good hands. Having an experienced lawyer like FIEDLER Trial Lawyers is helpful and provides powerful representation.
Here are some tips to help you choose the right lawyer:READ MORE…
The cost of hiring a personal injury lawyer can vary depending on the lawyer and the specifics of your case. However, personal injury lawyers work on a contingency fee basis, which means they only get paid if they win your case. Here’s how the contingency fee structure typically works and other potential costs to consider:
Contingency Fees: Percentage of Recovery: If the lawyer works on a contingency fee basis, they will take a percentage of the settlement or judgment amount you receive if you win your case. This percentage is typically around 33% to 40% but can vary depending on the lawyer and the jurisdiction.
No Win, No Fee: If you do not win your case, the lawyer will not charge you for legal fees. However, there may still be other costs you could be responsible for (discussed below).RAED MORE…
In a personal injury claim, you may be entitled to several types of compensation, also known as damages, to address the losses and injuries you’ve suffered due to someone else’s negligence or wrongdoing. The types of compensation typically fall into three main categories: economic, non-economic, and, in some cases, punitive damages. Here’s an overview of each:
Economic Damages: These damages are intended to compensate you for actual financial losses resulting from the injury:
Medical Expenses: Compensation for past, current, and future medical costs, including hospital bills, surgeries, medications, rehabilitation, and any other necessary medical treatment. READ MORE…
The value of a personal injury case can vary greatly depending on several factors unique to your situation. Since each case is different, there is no standard formula to calculate the exact value. However, here are some key factors that generally affect the worth of a personal injury case:
Severity of Injuries: The more serious and long-lasting your injuries, the higher the potential value of your case. This includes considering whether your injuries result in permanent disability or disfigurement.
Medical Expenses: Your case will take into account all medical expenses you have incurred, as well as future medical costs related to your injury.
Lost Wages and Earning Capacity: The case can include compensation for lost income due to time off work and any future loss of earning capacity if your injuries affect your ability to work.READ MORE…
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