Hurricane Harvey Has Devastated Texas, We Are Here To Help!
My firm has joined two other firms to provide help with Harvey flood claims, wind claims and claims related to the reservoir releases on the west side of Houston. We are staffing our team with persons experienced in these claims to give the help that our friends and neighbors need. I have filed and tried flood cases and know a great deal about how flood claims should be handled. I have handled claims from Ike, Sandy and now Harvey. If you need help, we are here for you. Local attorneys with the knowledge and staff to help you get through the disaster that Harvey brought to our city and state.
Great News for those with flood insurance. FEMA has extended the deadline for filing a sworn proof of loss by one year. You now have time to get your claim handled timely and with the right information.
If you have questions about flood issues, call me, it is free and I am glad to help.
I consult with people who have suffered a flood or storm loss all the time. I was in Randall's today in Houston and had a long visit with a neighbor about the issues she has with her flood claim.
If you have a flood claim, remember this:
1. You cannot take too many pictures.
2. There is no vacancy clause in a Standard Flood Insurance Policy for a dwelling, so you don't lose your coverage if you move out to repair your home for more than 60 days.
3. You can help your contents claim by preparing your own spread sheet of contents with a good description of the item, its age, quantity, condition and a price from an online search for similar items. BEWARE: adjusters will frequently over-depreciate your contents, on the other hand this is one area where they are usually willing to compromise quickly.
4. Document everything you do if you begin clean up before the adjuster arrives. If you pay cash for anything, get a receipt. Keep your receipts. If you plan to throw contents away, photograph them all in detail. If they have serial numbers, take a photo.
5. If the deadline for your proof of loss is not extended by FEMA, I would hire a public adjuster as you may not have time to get contractor bids that you will need or even do your repairs. You should have at least two or three estimates from local contractors for your repairs so you will know if the offer is reasonable when you get it.
Call me if you have questions, I suspect I can answer them on the spot!
Warning: The flood carrier's adjuster is not on your side. Get everything in wrting from the adjuster and get their business card when they first show up! Don't accept oral representations, make them put everything they say in writing and save it.
You have to timely file a Sworn Proof of Loss if you want to pursue additional damages in your flood claim. The hidden trap is FEMA provides no instruction on how to fill out the Proof of Loss or what supporting information you need to supply to support it. We do know and can help.
Remember, you can accept as a partial offer, whatever the carrier offers, and still make an additional claim.
After handling these claims for the last 9 years and reviewing hundreds of cases there is much for you to know to protect your claim. There is a complete list of things you need to do on this website.
We are putting together a team of experienced attorneys and experts to provide full service to our clients regardless of the nature of your storm claim.
If you have questions call me, it's free. I am happy to share my knowledge of the process. I have actually tried three flood cases, may be the only ones ever tried in this area. There are many traps for the unwary. If you need help, I am here to offer that help.
Call me at 713-358-2140 if you need answers to your storm questions. Remember that your car is not covered by your flood policy, it is covered by your auto insurance policy.