Are you the victim of a natural disaster like a tornado that has significantly damaged your home and/or other possessions?
There are few experiences that are so unfortunate and can cause as much lasting financial damage as being on the receiving end of a tornado. If you’ve got tornado insurance, but you’re not sure whether you need a lawyer to help you navigate the insurance process, then you’re in the right place.
In this article, we’ll give you three reasons why you might need to consider hiring a homeowners insurance lawyer to make sure you get compensated for all of the tornado damage that may have occurred.
1. You Don’t Know How to Navigate the Claim Process
The first reason why you should consider hiring a lawyer is if you’re just totally unfamiliar with the claims process. It’s perfectly fine to not be knowledgeable about how to submit an insurance claim. After all, chances are that you’re very busy with other things after a tornado hits, whether that is fixing up the house or arranging alternate living accommodations.
It can be hard to manage all of that as well as getting a payout from an insurance claim.
So if you’re in this situation and need to offload the claims process from your workload, then a well-experienced tornado insurance lawyer is practically a must-have.
2. You Have a Denied or Underfunded Claim
Perhaps you have already submitted your insurance claim for the tornado damage that occurred. But despite matching the qualifications for the claim to be paid out, the insurance claim was instead denied or underfunded.
A denied claim will definitely require a lawyer. If the claim is underfunded only to a small degree, then it may not be worth it. But if the claim was significantly underfunded in comparison to what you were hoping to get, then a lawyer is a must.
The lawyer will be able to go over the fine print of your insurance contract to prove your eligibility to receive a payout for the claim.
3. The Value of Tornado Damage is Extremely High
The final reason why you should consider hiring a tornado insurance lawyer is if the value of the damage that was wreaked on your home and possessions is extremely high. The value may exceed your policy limits, or a significant portion of that value may be sentimental.
In either of those cases, you will need a lawyer to help you battle out that claim with the insurance company to maximize the compensation that you receive.
A Tornado Insurance Lawyer Might Be a Must
There you have it. Now that you know when and if you should purchase a tornado insurance lawyer, you should be far better equipped to get the payout that you deserve from the tornado damage that you have sustained.
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