Springtime in Texas is often a welcome change! The weather is warmer, and more flowers bloom again with the rain. Although the showers bring this beautiful life back to Texas, they can also bring destruction for homeowners.
If your home has suffered rain damage, you’re probably working with your insurance company to get it repaired. Keep reading to get a better understanding of rain damage claims and how a McAllen insurance lawyer can help.
Your insurance company will cover certain types of rain damage, depending on how the rain entered your home. Most insurance companies stipulate that some kind of extreme weather condition must cause the rain to get into your house, causing damage inside your home.
For example, if your home has rain damage due to a flood in the area, it’s likely that your home insurance won’t cover the damages. However, if an ice dam were to fall on your roof and cause it to collapse, sending rain into your home, then it would probably be covered by insurance.
Since you can’t control the rain, you might think that most rain damage would be covered, but again, only some damage will be covered by your home insurance. Sometimes insurance companies can be quite stingy when it comes to what they will and won’t cover. Most basic home insurance policies cover the following types of rain damage:
While the process of filing a rain damage claim will vary depending on your insurance company and how they operate, the general process is usually similar:
Once rain makes its way into your home, the damage can be endless. As a homeowner, you may be dealing with mold, structural damage, and the loss of personal items inside your home. While many insurance companies may try to deny your claim, this doesn’t have to be the end for you.
At Millin & Millin, our team of experienced insurance lawyers knows the ins and outs of rain damage claims. If you’ve recently dealt with rain damage to your home, schedule a FREE evaluation today to get started on your case.