What to Do If Your Hurricane Helene Insurance Claim is Denied or Underpaid

Dealing with property damage from Hurricane Helene is stressful enough, but receiving a denied or underpaid insurance claim can make the situation even worse. Unfortunately, this is a reality for many homeowners in the aftermath of natural disasters. If you find yourself in this position, here’s what you can do to fight for the compensation you deserve.

1. Understand Why Your Claim Was Denied or Underpaid

Insurance companies are required to provide a reason for their denial or underpayment of a claim. Review the denial letter carefully and cross-check it with your insurance policy. Common reasons for denial include filing too late, insufficient documentation, or claims that don’t meet policy coverage.

2. Gather Evidence

If your claim was underpaid, gather additional documentation to support the true cost of repairs. This can include updated repair estimates, contractor bids, and further evidence of damage (e.g., water intrusion, mold development). If your claim was denied, ensure you have documented all the damage thoroughly with photos and written descriptions.

3. Request a Re-Evaluation

If you believe your claim was unjustly denied or underpaid, you can ask for a re-evaluation. Submit additional documentation, including any new estimates and evidence you’ve gathered. Be persistent, and make sure to follow up regularly.

4. Hire a Public Adjuster or Legal Representation

If you’re still struggling to get fair compensation, consider hiring a public adjuster or an attorney. Public adjusters are independent professionals who work on your behalf to assess damage and negotiate with your insurance company. If legal action becomes necessary, Payne Law’s experienced attorneys can step in to help you challenge denials or underpayments and ensure you receive what you’re entitled to.

5. Know Your Rights

In Florida, insurance companies are held to specific legal standards, including timely payment of claims and fair handling. If your insurer is acting in bad faith or refusing to pay a valid claim, you have the right to take legal action. Payne Law can assist in filing a lawsuit to hold your insurance company accountable and recover the compensation you deserve.

If your insurance claim has been denied or underpaid following Hurricane Helene, don’t give up. You have options to fight for your rights, and Payne Law is here to help you through the process.