Types of Loss

Hurricanes are among the most devastating and unpredictable natural disasters facing policyholders. Winds, rain, storm surge, and flooding can all wreak havoc on your home or business. Hurricane damage insurance claims can be complicated because they typically require multiple policies (i.e. standard homeowners and flood insurance) with one insurance company shifting responsibility to the other.

Merlin Law Group understands this frustration and is here to help you with your hurricane damage claim that has been wrongfully delayed, denied, or underpaid. As The Policyholder’s Advocate™, we are committed to helping you obtain justice so that you can get back on the path toward recovery.

Water damage is one of the most common types of property insurance claims. Most standard homeowners insurance policies exclude certain water damage types like flooding or sewage backup, there is still coverage for other water-related perils like a burst pipe. Policyholders with both dwelling and personal property coverage should be protected against water-related damages.

Merlin Law Group has represented many policyholders with water damage claims to their homes and businesses. As The Policyholder’s Advocate™, we are committed to helping you obtain justice so that you can get back on the path toward recovery.

High-velocity winds can cause severe damage to your property. Common windstorm claims involve roofs blowing off, trees falling on your property, fences blown down, and leaky windows. This type of damage can also bring hidden damages that aren’t realized upon the initial assessment of your property.

Damage caused by wind is covered in most homeowners insurance policies, however there can be ambiguous exclusions or limitations which may cause your claim to be denied. Merlin Law Group has handled many wind damage claims and helps policyholders recover what is rightfully owed. Contact Merlin Law Group if your insurance claim has been delayed or denied.

Hail damage is deceptive and can be quite expensive to fix. If you live in an area prone to severe weather and have a low slope or flat roof with asphalt shingles, you are in the high-risk category. The good news is that most homeowners insurance policies cover damage from hail.

In the United States, hail is most prevalent where Colorado, Nebraska, and Wyoming meet — an area known as Hail Alley. Hail is possible within two nautical miles of the parent storm in any thunderstorm, meaning hail can occur practically anywhere if the natural conditions permit.

Insurers may try to argue the damage suffered from a hail storm does not fit the conditions necessary for a claim. At Merlin Law Group, we fight for policyholders to hold their insurers accountable to fulfilling their promise to protect your property from damage, including damage occurring from hail.

At Merlin Law Group, our claim lawyers understand the tumultuous aftershock that a fire can cause. Everything from clothing to appliances to irreplaceable memories all can be lost to fire damage. Having a valid insurance claim denied after the fact only deepens the wound left behind. We here at Merlin Law Group exclusively represent policyholders pursuing valid insurance claims, including claims for fire and smoke damage.

When disaster strikes, businesses and commercial property owners can be left reeling from the significant damages and losses incurred. For hospitals, schools, museums, community centers, and large corporations, the road to recovery often involves managing detailed and complex large loss insurance claims.

Understanding and preparing for this process can significantly improve your chances of securing the compensation you need to rebuild. This comprehensive guide will walk you through the claims process step-by-step, offer you tips on documentation, explain when to contact a property insurance lawyer, and highlight strategies for achieving the best possible outcome.