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Ep. 10 | Navigating Insurance Claims for Homeowners Before and After a Hurricane
Manage episode 477408038 series 3659677
In Episode 10, we welcomed back Grant Krapf from Krapf Legal for another insightful discussion. This time, we delved into various topics related to insurance claims for homeowners, both before and after a hurricane. We covered the most common reasons insurance companies deny hurricane claims, homeowners' rights when an insurance company delays payment, how wind vs. water damage can affect claims, among other key topics. We hope this episode proves valuable, especially if you're facing damage in the aftermath of Hurricane Helene.
If you need legal assistance relating to insurance claims, contact Krapf Legal at 727-777-7450 or through their website here: https://krapflegal.com/
Call 844-Helicon or visit our site: https://www.heliconusa.com/ to schedule a FREE inspection after the storm!
Chapters
1. Ep. 10 | Navigating Insurance Claims for Homeowners Before and After a Hurricane (00:00:00)
2. Intro (00:00:05)
3. The Most Common Reasons Insurance Companies Deny Hurricane Claims and How Homeowners Can Protect Themselves Against Denials (00:00:44)
4. What’s Coming Up Later in This Podcast (00:03:24)
5. Why It’s Important to Report Claims/Losses Promptly and Document Them Before and After a Storm (00:05:18)
6. Rights Homeowners Have if Their Insurance Company Is Stalling on Paying Out Claims (00:08:53)
7. The Role Forensic Engineers Play in Hurricane Claims and When Homeowners Should Use One to Evaluate Their Damage (00:10:54)
8. The Benefit of Having a Separate Claims Credit Card for Catastrophic Events (00:12:48)
9. Forensic Engineers Hired by the Insurance Company Vs. By the Attorney (00:14:16)
10. How Homeowners Can Deal with the Delay Tactics of Insurance Companies (00:16:32)
11. How Social Media Posts Can Help or Hurt a Hurricane Claim (00:18:18)
12. If Homeowners Can Hold Their Insurance Company Accountable for Lowball Offers and How They Can Prove Their Property Is Worth More Than What the Insurance Suggests (00:19:51)
13. Where the Burden of Proof Lies (00:23:21)
14. Wind vs. Water Damage After a Storm (00:24:04)
15. The Importance of Having a Home Inspector Evaluate Your Home After a Hurricane (00:26:20)
16. How This Wind and Water Damage Affect Claims and How Homeowners Can Fight Back if Their Claim Is Wrongly Classified (00:28:04)
17. Whether or Not There Are Limits on Flood Policy Insurance (00:29:10)
18. If Fire Insurance Coverage Protects More Than Just the House Post-Storm (00:30:04)
19. Whether Homeowners Should Pay Out of Pocket for Repairs Before an Insurance Payout and the Risks Associated With This (00:34:13)
20. How Homeowners Can Avoid Contractor Scams After a Hurricane and Red Flags They Should Look Out for When Signing Repair Contracts (00:36:14)
21. If Flood Policies Cover Foundation Issues to a Home From a Storm (00:39:19)
22. Outro (00:41:53)
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