Is Flood Insurance Coverage an Active Component on Your Policy?

Do you live in a state that is prone to flooding during hurricane season? Perhaps your state receives the repercussions that come along with it and aren’t necessarily a direct target for a hurricane to hit? If this is the case, insurance claims attorneys in Jackson, Mississippi are urging all homeowners and property owners to take action and ensure they have the proper flood insurance coverage already set into place before flooding becomes an issue for you.

denied insurance claim attorney in Jackson, MS
it is important that as a property owner, you have adequate coverage for any type of damage that arises.

One of the most difficult obstacles to overcome after a flood has occurred and damages your home is obtaining the necessary coverage from your insurance company. If you weren’t aware, now is the time to note that many insurers would much rather prefer holding on to their money as opposed to using it to cover the costs listed in your claim, however, with adequate coverage, it will be quite difficult for them to do this.

The state of Mississippi is at risk of serious flooding, and many have already witnessed just how serious it can get. Insurance claims lawyers in Jackson note that just back in March, The Clarion-Ledger reported that 14 counties were forced to close highways, hundreds of homes sustained water damage, and lives were taken as a result of this flooding.  And while there is only a number of actions that can be taken to protect you, your family, and your home from these natural disasters, in the event you are forced to flee and seek shelter elsewhere until the flooding subsides, you want to know that you have some sort of protection plan in place in the event your home needs significant repairs.

 

Jackson, Mississippi denied insurance claim lawyer
Most homeowner’s insurance policies do not provide flood coverage.

What happens if my homeowner’s insurance policy doesn’t cover flooding?

Many residents living within the state of Mississippi fail to acknowledge the true coverage their homeowner’s insurance policy will provide. Many of the policies offered do not include flood insurance, rather, that is a separate type of coverage. For example, Farm Bureau Insurance, which offers insurance coverage for the residents of Mississippi, highlights that they provide flood coverage in the form of three separate policies which include:

  • The Dwelling Form
  • The General Property Form
  • The Residential Condominium Building Form

Therefore, Jackson insurance claim denial attorneys note that if your homeowner’s insurance policy doesn’t cover flooding and the significant amount of destruction it has the potential to bring on, there is a chance that if you file a claim after your property is damaged, it will be denied.

 

insurance claim denial attorneys in Jackson, Mississippi
An insurance claims lawyer can definitely help you with the process of fighting a denied insurance claim.

Should I find a denied insurance claim lawyer nearby if my flood insurance doesn’t cover my damages?

If you find that you do have an active insurance policy that protects you from the damages a flood can bring on, yet your insurer has failed to comply with the terms of your policy, it is highly advisable to first consult with a reputable and experienced insurance claims law firm. Bullock & Wood, PLLC is conveniently located in Jackson, Mississippi and can provide their legal expertise regarding the necessary steps you need to take when your insurance claim has been denied.

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By | Thursday, June 30th, 2016 | 0 Comments

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