South Carolina Hurricane Insurance Claims Denials Lawyer

Hurricanes are massive storms that often leave a trail of death and destruction in their wake, and after such a storm, homeowners are often faced with expensive repairs. Hurricane insurance is supposed to provide for homeowners during such situations, but unfortunately some insurers do not take their obligations to their policyholders seriously.

Often, insurers deny claims for frivolous reasons, leaving homeowners left to pay for hurricane damages themselves. Fortunately, a dedicated attorney could work with you to make sure insurers pay what they should. If a hurricane or windstorm damaged your home, it might be wise to contact a South Carolina hurricane insurance claims denials lawyer.

Causation and Hurricane Claims

Causation is always a significant factor in insurance coverage disputes. When a hurricane destroys or damages property, the insurance company will often attempt to prove the damage was caused by a rainstorm or flood, not a hurricane.

Although floods and hurricanes are closely related, if storm damage is the result of a flood, tornado, or other types of meteorological occurrence, insurers may not have to pay. As a result, insurers sometimes go to great lengths to prove they are not financially responsible for any storm damage.

Property valuation can also become a problem. Often, hurricane insurers will agree to cover property, but at a much lower value than it is worth. For example, an insurer may not be capable of distinguishing between a priceless heirloom and an everyday object.

Such actions certainly may seem unfair, but they are fully legal from the perspective of an insurer. In light of that, representation from a South Carolina hurricane insurance claims denials attorney may be key to contesting such undervaluations and receiving an appropriate payout from an insurance policy.

Acts of Bad Faith

An insurance policy serves as a contract between a policyholder and an insurer. As long as the policyholder pays their premium on time, the insurer is obligated to provide the coverage they agreed to provide.

Unfortunately, things are not always so simple, and there will be times when an insurer acts in bad faith. When an insurer acts in bad faith, it means they are acting illegally by not providing the coverage they agreed to provide.

Often, insurers do not provide a clear explanation as to why they denied a claim. Other times, they may attempt to avoid paying by claiming the policyholder did not pay their premium, or the policy does not cover certain aspects of storm damage. When an insurance company acts in bad faith, a policyholder may need the help of a hurricane insurance claims denials lawyer in South Carolina.

Appealing a Denial

Most of the time, policyholders have the option to appeal an insurance decision. The opportunity to appeal may not seem attractive after an outright denial, but with the right legal assistance, many policyholders may be able to get their denial overturned and take advantage of the coverage they initially paid for.

The appeals process usually involves submitting additional evidence and information, and often, multiple steps are required. Policyholders may also have legal options at their disposal if they are underpaid.

Discuss a Potential Case with a South Carolina Hurricane Insurance Claims Denials Attorney

Hurricanes are life-changing storms that can destroy your livelihood and property you hold dear. After working for years to pay for your property, it can be immensely disappointing to receive a claims denial letter in the mail.

Luckily, you may still be able to get the coverage you deserve. Call a South Carolina hurricane insurance claims denials lawyer to discuss your case.





Free Consultation

(843) 884-6615

Client Review

By: Richard

Title: Very helpful!

Description: The law office of Howell and Christmas helped me very much on a financial situation I was in. By being able to talk to Mr Christmas he advised me on what to do and saved me over $200,000. I would recommend anybody uses this Law Firm they are very capable of doing anything you need to be done .

Rating: ★★★★★

5 / 5 stars

The contents of this Web site are for informational purposes regarding legal issues in South Carolina and are not intended to convey detailed legal advice on specific issues. Transmission of the information contained in this site or any sites linked hereto is not intended to create, and receipt does not constitute an attorney-client relationship. Our attorneys practice law only in jurisdictions we are properly authorized to do so and do not seek to represent anyone in any jurisdiction where this site does not comply with applicable laws and bar rules. The lawyers of the law firm of Christmas Injury Lawyers are licensed to practice law in the State of South Carolina. Readers should not act upon the information contained in this site without first seeking the advice of an attorney licensed to practice in your area.

Attorneys principally practice in Mt. Pleasant office, but we will meet you at the time and office most convenient to you. We will also come to your hospital room or home upon request.

The information given above are examples of actual cases with actual clients our law firm has handled in the past. The reviews listed on our website are endorsements and/or testimonials from actual clients. Any results our law firm may achieve on behalf of one client in one matter does not necessarily indicate similar results can be obtained for other clients.

In an effort to continue serving the community while keeping everyone healthy and safe, our office is offering phone and video consultations. To schedule or learn more call (843) 884-6615 or fill out a contact form here.