Galveston is a gulf-front town, known for its high-end resorts and the leisurely lifestyle it offers to its more than 50,000 residents. It’s known for its history which includes existing Victorian-era architecture and The Grand Opera House.
Every year as the Atlantic Basin picks up with weather-related activity during hurricane season, Galveston residents hope they won’t become known for hurricane devastation. The lucky port location missed a square-on hit from Hurricane Harvey in 2017, but with Laura making landfall in Texas on Thursday, many in Galveston have left the area after receiving evacuation orders from state and local government.
When these homeowners return, what remains may require them to file an insurance claim. If you’re a Galveston resident trying to figure out what to do next, don’t wait to contact a hurricane damage insurance claims lawyer at the law firm of Florin Roebig for a free consultation about your case.
Why have hurricane insurance coverage in Galveston, Texas?
Hurricane Harvey devastated many areas of Texas, causing ripples of shock and surprise that shook the state. Lawmakers and FEMA have since responded with changes to real estate laws and flood zones.
Galveston was lucky. While residents braced themselves for a direct hit, the general mood after Hurricane Harvey in 2017 was that Galveston was mostly unscathed. It’s been more than ten years since Galveston received the impact of a substantial hurricane hit, meaning that, for many Galveston residents, Hurricane Laura is the first storm of this nature they’ve experienced.
When you are stuck with hurricane damage and don’t know what to do, having hurricane insurance is important. At the very least, it’s comforting to know that in the event of hurricane damage your claim will be covered. But sometimes, hurricane insurance providers fail to approve a claim or pay it in full. In those instances, Galveston residents might feel defeated, but that’s when you should call Florin|Roebig, instead.
Hurricane Laura Damage In Galveston
Hurricane Laura is a Category 4 hurricane. That means its winds are sustained at around 145 miles per hour. With high force winds, residents might also find tornadoes are present. No matter what type of severe weather your area gets, it’s likely to cause damage from high winds, rain and flooding.
Some kinds of damage that Galveston residents can expect to find upon returning to their homes are damaged roofs, or roofs that have been completely torn off, broken windows, debris causing obstructions in roads, homes and businesses. Other hazards include broken windows, water damage and flooding. When it comes to water damage and flooding, depending on how the damage came to be whether by force of the storm or improper seals on windows or doors, the amount received from your claim can be impacted if you don’t have additional flood insurance.
Property Damage Frequently Caused By Windstorms and Hurricanes
Hurricanes themselves are destructive, but they can also cause a host of other natural disasters that can amplify the damage left in a hurricane’s wake. Wind damage is a common type of destruction property owners see in the midst of a hurricane. Property damage that may result from very strong winds include:
- Roof lifting: Roof lifting is just as it sounds – your roof lifts off of your home or other property and either comes completely off or leaves behind serious damage.
- Roof damage: In addition to roof lifting, other damage can happen to your roof during a hurricane. This can ultimately result in the need for a full roof replacement.
- Structural damage: Strong winds can blow down trees and power lines. These have the potential to fall on your home bringing down sections of your homes walls, roof, or other structures like a shed.
- Garage door damage: Garage doors are often very susceptible to damage caused by high winds and can blow in, blow down, or become damaged in another way. Your cars can suffer damage from this and potentially cause your cars to be totaled.
- Broken windows: Broken windows are very common in high winds and can leave the rest of your residence or property susceptible to damage.
- Moisture damage: High winds can blow in water and leave your home exposed, making the growth of mold and mildew highly likely. When a window seal is broken from hurricane gust winds, water damage is likely to occur.
- Damaged siding: Debris that is blown around due to high winds can cause damage to your property’s siding.
- Door loss: High winds can cause doors to blow in or even to come off of their hinges completely, requiring door replacement once the hurricane has passed.
- Sliding glass doors: Strong winds can break the seal around the sliding glass doors causing serious water intrusion. This can lead to mold and other moisture problems.
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What To Do If Your Insurance Company Denies Your Claim
When you’ve been involved in a hurricane with property damage, it’s always a good idea to consult a lawyer right away. However, if you went ahead and claimed without consulting a lawyer and now your claim has been denied, it’s definitely time to make your first call a call to a hurricane damage insurance lawyer.
When you hire a roof and flood attorney that specializes in Galveston hurricane damage laws and insurance compliance you know that your home and business flood insurance claim is going to receive individual attention from a law firm that understands the legalities of hurricane insurance claims and flood insurance claims.
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Hurricane Damage Insurance Claims Lawyer Galveston, Texas
If your claim has been denied or underpaid, it’s time to call an attorney at Florin|Roebig right away. We have experts waiting to review your claim, provide a free case evaluation and offer insight and guidance that could lead to more negotiation between you and your insurance company.
Adjusters have attorneys working with them to ensure the finances of insurance companies are protected. You need an attorney who works for you, your family and your loved ones when you need it the most. That’s why the attorneys at Florin|Roebig specialize in Galveston hurricane laws. If you’ve experienced damage in Hurricane Laura, or you’re still waiting to find out, give us a call for a free case evaluation.