Windstorm and Hurricane Damage

Insurance Claim Denial ▪ Insurance Bad Faith

Far too many insurance companies run their businesses without considering the needs of their policyholders. At Farrar Thompson, our attorneys represent property owners throughout Northwest Florida and Coastal Mississippi facing insurance claim denials. Contact us to learn more about appealing an insurance claim denied in bad faith.

When as insurance company refuses to cover windstorm or hurricane damage after you have paid all your insurance premiums, you want answers. Attorney Greg Farrar understands your frustration because he also was displaced from his home by water damage. If your insurance company fails to cover Mississippi or Florida hurricane damage or a flood claim in bad faith, they may be liable for treble damages.

What does your Insurance Policy Cover?

Many disputes concerning insurance claim denials are over the cause of the property damage. It is important to know what type of property damage your insurance policy covers. You also should make sure you are not underinsured. At Farrar Thompson, we recommend people do a few things:

• Go over your insurance policy with your agent to make sure your policy covers flood damage. Most homeowner's insurance policies do not cover flood damage.
• Make an inventory of all your personal belongings, in case of a hurricane or flood.
• Make sure you purchase enough insurance to cover the loss of all of your property.

Basis of an Insurance Claim Denial

Insurance companies deny flood and hurricane damage claims for a variety of reasons. Insurance companies often deny a claim by arguing that the policyholder is not entitled to compensation for a particular loss. Many disputes arise about whether a flood or a hurricane caused the damage. Since most insurance policies do not cover flood damage, insurance companies argue that the damage occurred because of the resulting flood rather than the hurricane.

Appeal a bad faith insurance claim denial. Contact one of the lawyers at Farrar Thompson for a complimentary telephone consultation. We fight to make things right. Our firm represents people throughout Northwest Florida and Coastal Mississippi, including people in Pascagoula, Moss Point, and Pensacola.