Hurricane Katrina Damage Claims must be filed by August 28, 2006.
When the Gulf Coast was smashed by both Hurricane Katrina and Hurricane Rita, millions of homes were threatened and many destroyed completely - from both the actual storms and the floodwaters that followed. The massive flooding that inundated homes and businesses turned out to be the most destructive legacy of the hurricanes, as rising waters ruined nearly everything that they touched.
Many looked towards their insurers for help, believing that they were covered and not knowing that they might possibly be denied because of confusion about their policies. Tragically, many of the victims who lost their homes were not covered. In fact, 60 percent of people in affected areas did not have flood insurance and many of these people are struggling to make sense of what they are owed. If you are one of these victims, you can fight an unfair claim rejection by proving that the damage to your home was caused by wind or other covered perils.
There are a few things that you can do to help ensure that insurers reimburse you for the flooding damage that the hurricanes caused.
Because your homeowner's policy does cover you in the event of wind damage, wind-blown rain damage, fire and theft, it is up to you to prove that the damage that was sustained to your home was caused by wind or other covered perils. Because hurricanes by their very nature have exceptionally strong and damaging winds, make sure that you look for signs that prove that the wind damage directly lead to the flooding, so that you aren't callously left empty-handed by your insurance company.
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