Storm Damage Insurance Claims


Storm damage can be devastating, and sometimes leave your property uninhabitable. Merlin Law Group has handled storm damage insurance claims from multiple storms throughout the country since 1985. Our attorneys are well-versed in dealing with the insurance company adjusters to assist in coverage issues that may arise.


Tropical Storm vs. Hurricane

Tropical storms and hurricanes are types of weather phenomena known as cyclones. Their differences are in the method of categorization. However, this categorization will impact how the claim is made on an insurance policy. A tropical storm is a cyclone consisting of wind speeds between 39 mph to 73 mph. A hurricane is a cyclone with wind speeds in excess of 74 mph. Hurricanes are classified by categories, and the higher the sustained wind speed, the higher the category classification.


Make sure you have everything you need when a storm is on the way. Thoroughly review your insurance policies to be sure you have coverage for what you assume is insured and read through the declarations page carefully. Often, the flood policy is in an entirely separate policy, so finding and reviewing those documents can be forgotten. Confirm that the covered property is the property that is listed on the policy, make sure the locations are all on the policies to make sure those areas are covered in the event of a loss. Contact your agent if you have questions about what would be covered.

If insureds discuss their claims with insurers before having the claims reviewed by their own professionals, the insurers’ one-sided conclusions will be the only input.

Levels of coverage, exclusions, and limits of liability vary greatly from policy to policy.  If you have an insurance claim that’s been delayed, denied, or underpaid, call Merlin Law Group.

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