Oklahoma City Storm Damage Lawyers
Helping Homeowners Handle Storm Damage Claims
A tornado or another heavy storm can destroy your home and turn your life upside down. During such a harrowing time, you should be able to depend on your property insurance provider to take care of you, such as paying for your property repairs and making sure you have somewhere to stay while they are completed. In far too many cases, though, insurance carriers find ways to delay, minimize, and even deny storm damage claims brought by policyholders who have been paying for coverage for years.
If your insurance company is not honoring your insurance policy that you paid for through monthly premiums, Fulmer Sill and our Oklahoma City storm damage claim attorneys will be there for you. We can draw upon decades of collective legal experience to determine if your insurance company is committing insurance bad faith. If they are, then we can advise you about what to do next, which might include challenging the denial, filing a claim, preparing for litigation, and more.
Get comprehensive legal counsel to guide you through your storm damage insurance claim in Oklahoma City. Start by calling (405) 433-7414 or contact our firm online now.
Coverage in Storm Damage Insurance Policies
A homeowners' insurance policy can provide coverage for property damage resulting from storms and tornadoes. This may include damage to the roof, walls, windows, and other structures caused by high winds, hail, or falling debris. A business owner’s insurance policy can provide much of the same coverage, except for commercial, industrial, or agricultural properties.
Additionally, homeowners' insurance may cover the cost of personal property damaged or destroyed by a storm or tornado, including furniture, appliances, and clothing. Coverage may also extend to additional living expenses if the home is uninhabitable due to storm damage, such as hotel or rental costs. For a business insurance policy, it might provide some coverage for lost income that the business would have earned had it not been closed due to damage.
Storm Damage Claims & Insurance Bad Faith
A bad faith insurance claim is filed when the insurance company should have provided proper compensation according to the policy contract but failed to do so. There are many ways that an insurance company can act in bad faith. For example, these types of acts can include unfairly denying a claim, offering an unreasonably low claim settlement, failing to properly investigate a claim, or failing to make payment on a claim in a timely manner.
In short, an insurance company cannot:
- Misrepresent the terms of a policy.
- Misrepresent the advantages or benefits of a policy.
- Misrepresent a material fact or policy provision.
- Fail to attempt in good faith to reach a fair settlement of a claim.
- Fail to provide a reasonable explanation for the denial of a claim.
- Fail within a reasonable time to affirm or deny coverage or submit a reservation of rights.
- Refuse to pay a claim without conducting a reasonable investigation with respect to the claim.
Unfortunately, some insurance companies may try to reduce or eliminate their responsibility for insurance claims to protect their profits. Because the insurance companies are in a position of trust and authority, the law in Oklahoma holds these companies to a higher standard than many other industries. This occurs whether the insurance company is located here in the State of Oklahoma or is an out-of-state company that sells policies here.
Possible Conclusions for Storm Damage Claims
Our Oklahoma City storm and tornado damage claims attorneys know the state’s bad faith insurance laws back to front. Using our skills, experience, and insight, we can look for the right way to conclude your case in a way that respects your rights as a policyholder and your rights as our client.
Positive outcomes to your case could include:
- Reinstating the insurance coverage benefits you were initially owed.
- Reaching a settlement to pay for the repairs and losses.
- Winning an award in court to pay for your losses if litigation is necessary.
Let Us Answer Your Insurance Dispute Questions
We encourage you to consult with our Oklahoma City storm damage insurance claim attorneys as soon as possible. You might have only a short amount of time left to challenge a claim denial, so do not delay. At Fulmer Sill, all initial consultations are free, and we don’t charge any up-front fees for our representation. We handle all fees on a contingency basis, meaning that unless we end your insurance bad faith claim in your favor, you don’t have to pay any attorney fees.