Recovering from property damage can be an arduous and costly process, often burdening you with expenses beyond your means. Compounding this, insurance providers may act in bad faith, purposefully undervaluing the compensation owed to you. Preparing for disasters and taking precise steps after property damage can significantly enhance your chances of securing a fair settlement, particularly when navigating negotiations with insurance companies.

What are my options?

Being ready for potential property damage incidents is vital. At Forester Haynie, we’re dedicated to assisting you in comprehending your responsibilities for taking essential precautions and steps to prevent further damage. Our aim is to ensure you can access the necessary funds from your insurance agency.

Steps to take before and after a damaging event:

  • Take comprehensive property photos for evidence in case of future disasters.
  • Obtain a copy of your insurance policy for personal reference.
  • Assign emergency contacts and inform them of your whereabouts post-disaster.
  • Ensure the safety of loved ones during the disaster and seek necessary medical attention.
  • Gather official statements from emergency responders like fire or police departments after a damaging event.
  • Document all damaged items meticulously and refrain from discarding anything, as each item holds potential value in an insurance claim.
  • Secure your property post-damage to prevent further loss.
    • Turn off gas, water, and electricity for safety.
    • Employ professionals to tarp damaged roofs and record expenses.
    • Use temporary barriers like caution tape to restrict access.
  • Notify utility companies about the damage and discuss utility handling.
  • Prevent vandalism by boarding up windows, doors, and requesting increased police presence.
  • Regularly check your property for additional damage and document any alterations.
  • Protect valuables by securing them, potentially through temporary storage.
  • File a claim immediately and secure legal representation to ensure fair treatment by your insurer.
  • Record post-disaster living expenses such as accommodation, food, and gas.
  • Continue timely payments for mortgages and insurance to maintain financial stability

Maximizing Your Opportunity for a Fair Settlement

Securing the most from your insurance settlement after filing a claim for property damage demands meticulous effort. Insurance companies aim to minimize payouts, emphasizing the need for thorough preparation, organization, and attention to detail. Seeking guidance from a Texas bad faith insurance lawyer can significantly assist in this process.

Get the most out of your property damage by:

  • Document Damage: Capture comprehensive before and after pictures to substantiate claims thoroughly.
  • Seek Accurate Estimates: Research and select reputable repair companies offering high-quality work for fair value.
  • Detail Scope of Work: Define and outline the comprehensive repair needs for all property damages.
  • Negotiate Offers: Avoid accepting initial settlement offers. Insurance companies often undervalue claims. Engage a skilled attorney to negotiate for the rightful compensation you deserve.

About Forester Haynie

Forester Haynie takes Bad Faith Insurance claims very seriously. If you or someone you know were denied claims by insurance, you may be entitled to compensation. We will contact you in the event it is determined that you qualify for a settlement. Case settlements often take time, so you will have to be patient with us while we fight for you. Forester Haynie does not charge our clients any up front fees or case costs. Unlike many firms, we only get paid when you do. 

Contact us.