Natural Disasters and Property Damage in Atlanta
Natural disasters like floods, storms, and tornadoes can strike Atlanta and the surrounding areas with little warning, leaving behind extensive property damage. For homeowners and property owners, these events often bring financial and emotional stress as they navigate insurance claims and legal rights. Our Atlanta Property Damage Lawyers at The Spizman Firm are here to protect your property and financial well-being.
Common Types of Natural Disaster Property Damage
Atlanta and its neighboring communities are no strangers to natural disasters. The most common types of property damage in the area include:
- Flooding: Heavy rains and overwhelmed drainage systems can cause significant water damage to homes, businesses, and vehicles.
- Wind Damage: High winds can tear off roofs, damage siding, and topple trees, which may damage property or cause injuries.
- Hail and Storm Damage: Hailstorms can wreak havoc on roofs, windows, and vehicles.
- Tornadoes: Though less frequent, tornadoes can result in catastrophic property destruction.
Understanding Your Insurance Coverage
After a natural disaster, the first step to recovering damages is often filing a claim with your insurance company. However, it’s essential to understand the type of coverage your policy provides:
- Homeowners Insurance: Standard homeowners insurance policies generally cover wind and hail damage but often exclude flooding. Check your policy to determine what is covered.
- Flood Insurance: Flood damage is typically not included in standard policies. It requires a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
- Business Insurance: Commercial property insurance can cover damage to business property, but you may need additional coverage for business interruption losses.
- Auto Insurance: Comprehensive auto insurance typically covers damage caused by natural disasters, including floods and hail.
What Are Your Rights After a Natural Disaster?
As a property owner, you have rights when dealing with your insurance company after a natural disaster:
- Timely Claim Processing: Georgia law requires insurance companies to act promptly when processing claims. Delays may constitute bad faith practices.
- Fair Valuation: Your insurance company must assess damages fairly and offer adequate compensation for covered losses.
- Right to Appeal: If you disagree with the insurer’s decision, you have the right to appeal or dispute the claim. This may involve hiring an independent adjuster or seeking legal advice.
- Right to Sue: If your insurance company denies a valid claim or acts in bad faith, you can file a lawsuit to recover damages.
Steps to Take After Property Damage
- Document the Damage: Take photos and videos of all affected areas and items before starting repairs.
- Mitigate Further Damage: Take temporary measures, such as covering a damaged roof, to prevent additional loss.
- File Your Claim Promptly: Notify your insurer as soon as possible to begin the claims process.
How The Spizman Firm Can Help
Navigating the legal and insurance aspects of property damage can be overwhelming, especially in the wake of a natural disaster. At The Spizman Firm, we are dedicated to helping clients in Atlanta, Dunwoody, Alpharetta, Cobb County, Fulton County, Gwinnett County, Johns Creek, and Sandy Springs secure the compensation they deserve. Whether you’re dealing with denied claims, undervalued damages, or bad faith practices, our experienced attorneys are here to advocate for your rights. Contact us today for a consultation and take the first step toward recovery.
Source:
fema.gov/flood-insurance
