The reason many of us depend on homeowner’s insurance is that we believe that the insurance company will do right by us when tragedy strikes. That may be what homeowner’s insurance is meant to do, but it doesn’t always pan out that way. In some instances, residential property damage claims are denied, or the homeowner is grossly underpaid for the amount of damage done to their home. That means that you could be responsible for paying for expensive repairs when you shouldn’t have to.  

Unfortunately, many insurance companies have made it their goal to reduce their loss exposure by modifying their agreements which means so many of their customers are left to do the brunt of the work after their home has been damaged by natural disasters or someone else’s negligence. It can be quite unfair and frustrating to be paying ridiculously expensive bills for residential damage when you’ve spent so much money paying inflated premiums for insurance that was supposed to help you in your time of need. While these companies may have no interest in covering your loss, the attorneys at Nooney & Roberts are here to serve YOU! 

If your insurance company has let you down and denied or underpaid your claim, we may be able to help. Our goal is to inform you of your rights under your insurance policy, and then work tirelessly to get you the money you deserve.

Hurricanes are among the most destructive forces of nature, and they have the potential to damage and level dozens of homes within a few short hours. The emotional and financial toll that hurricane damage could cause to your family and your property can be tremendous. That’s where having an insurance policy for storm and hurricane damage can be useful. Hurricane damage policies usually cover damages from wind and rain driven by wind, but there may be limitations when it comes to other kinds of damage like flooding or other wind and water damage that may follow. 

Major stipulations from insurance companies can lead to denied claims which can add to the stress of losing one’s home and property. Hurricane insurance often comes with higher deductibles, making it especially frustrating when you’ve been underpaid or denied. Most insurance companies are all about making money which means they’ll often do what they can to avoid paying what they should. We will have experts take a look at your property to assess the damage and make sure there are no other underlying issues with your home. 

Another serious threat to homes and property is water damage. Pipes burst, floods, and heavy rain happen, and your insurance policy should cover these issues. On top of damaging your home, your health could be affected due to bacteria, mold and fungi that may develop as a result of the damage. Repairs to your home can be costly, but you shouldn’t have to cover these repairs on your own. 

Water and intrusion damage claims are among some of the hardest fought by insurance companies, and many policies include a number of stipulations and conditions that could lead to being denied or only receiving partial payment for your claim

Fires can be devastating, and there are a number of ways they can start. Insurance policies for fires usually cover incidents involving candles, lighting, arson, among others. In addition to this, methods used to extinguish fires can cause more extensive damage. Repairs can be extensive and costly, which is why you’ll need someone to speak on your behalf if you’re denied compensation or don’t receive the amount you’re truly owed. 

We’ll take a look at your policy to figure out what’s available to you under your policy, and fight to get you the coverage you deserve. 

Strong winds and hail can lead to devastating roof and property damage. Your insurance company should cover a bulk of the cost when it comes to replacing or repairing your roof, and Nooney and Roberts attorneys will ensure that the insurance company covers your roof repairs at no expense to you outside of what you’ll cover with your deductible. In many cases, the out of pocket cost for this rarely exceeds $1,000, but this is mainly determined by your deductible. 

Know what you are owed in the event that your roof is damaged. Some homeowners are led to believe that roof repairs are only covered in the event of a hurricane or other strong storm. If your roof has been damaged during a hail or wind storm, you’ll likely need a full roof replacement and that should be covered under your insurance policy. Don’t get talked into a partial repair. Get a second opinion from our firm. We’ll have an expert evaluate the roof damage (at no cost to you) and determine if you need a full replacement.