What to Do If You Suffer Storm Damage and How Horton Law Can Help in Your Claims

Storm damage and you need help. Your property needs to be repaired and those repairs paid for. This is why you have insurance in the first place.

But the fight may be on.

Horton Law wants to help. First, let us show you what you can do. And then, if that fails, what our law firm can do to get you justice.


Immediate Steps to Take After Storm Damage

1. Ensure Safety First

After a storm, ensure everyone is safe and seek medical attention if needed. Avoid any hazardous areas, such as downed power lines or unstable structures. Delaying medical treatment can ultimately hurt your case.

2. Document the Damage

Take detailed photographs and videos of the damage to your property. This visual evidence is crucial for supporting your insurance claim. Capture images of both the exterior and interior of your home, including any personal belongings that were damaged.

3. Contact Your Insurance Company

Notify your insurance company about the damage as soon as possible. Most policies require prompt reporting. Provide them with the documentation you’ve gathered and follow their instructions for filing a claim.

4. Prevent Further Damage

Don’t let things get worse. Your actions might include covering broken windows, tarping a damaged roof, or removing debris. Keep receipts for any temporary repairs, as these expenses may be reimbursable.

5. Keep a Record of All Communications

Maintain a log of all communications with your insurance company, including dates, times, and the names of the representatives you spoke with. This record can be valuable if there are disputes or delays in your claim process.


Understanding Your Insurance Policy

1. Review Your Policy Details

Familiarize yourself with the specifics of your insurance policy. Understand what is covered, the limits of your coverage, and any exclusions that may apply. Pay attention to deductibles and the claims process outlined in your policy.

2. Know Your Rights

As a policyholder, you have rights that protect you during the claims process. Be aware of these rights, including the right to a fair assessment of your claim and the right to dispute the insurance company’s findings if you disagree.

3. Seek Professional Help if Needed

If you encounter difficulties understanding your policy or the claims process, consider consulting a professional. An experienced attorney or public adjuster can help interpret your policy and ensure you are treated fairly by your insurance company.


How Horton Law Can Assist You

1. Expert Legal Guidance

Horton Law specializes in helping clients with storm damage claims. Our attorneys have extensive experience in dealing with insurance companies and can provide expert legal guidance throughout the process.

2. Comprehensive Claim Assessment

We conduct a thorough assessment of your claim, ensuring all damages are documented and properly valued. Our team works to maximize your compensation by identifying all potential areas of recovery.

3. Negotiation with Insurance Companies

Dealing with insurance companies can be challenging. Horton Law negotiates on your behalf, advocating for a fair settlement. We understand the tactics insurers may use to minimize payouts and counter these effectively.

4. Legal Representation in Disputes

If your claim is denied or undervalued, Horton Law is prepared to take legal action. Our attorneys are skilled in litigation and will represent your interests in court to achieve the best possible outcome.

5. No Upfront Fees

Horton Law operates on a contingency fee basis, meaning you don’t pay any upfront fees. We only get paid if you receive compensation, aligning our interests with yours and ensuring we are fully committed to your case.


Frequently Asked Questions About Storm Damage Claims

1. What types of storm damage are typically covered by insurance?

Most homeowners’ insurance policies cover damage from wind, hail, lightning, and fallen trees. Flooding, however, often requires separate flood insurance. Review your policy for specific coverage details.

2. How long does the claims process take?

The duration of the claims process varies depending on the complexity of the damage and the responsiveness of the insurance company. It can take several weeks to months. Horton Law strives to expedite the process for our clients.

3. What if my claim is denied?

If your claim is denied, Horton Law can help you appeal the decision. We will review the denial letter, gather additional evidence, and negotiate with the insurance company to overturn the decision.

4. Can I handle the claim on my own?

While it is possible to handle the claim independently, the process can be complex and time-consuming. Hiring Horton Law ensures you have experienced professionals managing your claim, increasing the likelihood of a favorable outcome.


By taking immediate steps to document the damage, understanding your insurance policy, and seeking professional assistance, you can streamline the claims process and ensure you receive the compensation you deserve. Horton Law is dedicated to helping you through every step of your storm damage claim, providing expert legal guidance and robust representation.



Horton Personal Injury Lawyers are here to help you get the compensation you deserve. Contact us today for a free consultation and let our experienced attorneys guide you through every step of your claim. Call us or visit our website to learn more. Your recovery starts with Horton Law.