July 27, 2023

St. Mary Parish Hurricane Attorney: The Consequences of Dishonesty in Hurricane Insurance Claims


In the aftermath of a devastating hurricane, homeowners often find themselves grappling with property damage, financial loss, and the intricate process of filing insurance claims. The role of a St. Mary Parish Hurricane Attorney is to provide guidance and legal representation during this challenging time. However, one crucial aspect they continually emphasize is the importance of honesty in hurricane insurance claims.

As experienced professionals at Cueria Law Firm LLC, we have witnessed the severe impact of dishonesty in hurricane insurance claims. In this blog post, we’ll delve into the repercussions of not being truthful when filing a hurricane insurance claim.

Understanding Hurricane Insurance Policies

Insurance companies don’t offer standalone “hurricane insurance policies.” Instead, homeowners rely on their standard home insurance policies and supplemental policies, like flood insurance, to provide adequate coverage. This combination of policies typically covers windstorm damage to the dwelling, detached units, personal property, and living expenses if displaced.

Key Takeaways:

  • Standard home insurance policies do not cover all aspects of hurricane damage.
  • Flood insurance is necessary to cover hurricane-related storm surges and flood damage.
  • Hurricane coverage often has separate, higher deductibles.
  • It’s best to secure hurricane coverage before the season starts due to potential restrictions on policy adjustments once storm warnings are issued.

Details of Hurricane Coverage

Dwelling Coverage

Dwelling coverage includes the structure of your home, attached structures, and built-in appliances. Homeowners generally purchase this coverage equal to the total rebuild cost of their homes.

Other Structures Coverage

Other structures coverage pays for the repair or replacement of detached structures on your property. This coverage is usually 10% of your dwelling coverage limit.

Personal Property Coverage

Personal property insurance covers personal items, typically equal to 50% to 70% of your home’s insured value.

Additional Living Expenses

This coverage helps pay for temporary living expenses if the homeowner gets displaced due to a covered loss.

Hurricane Deductibles for Homeowners Insurance

Claims for wind or hurricane damage may be subject to a separate deductible, which is typically higher than standard homeowners insurance. This amount is usually 1% to 5% of your dwelling coverage.

Additional Hurricane Coverage Options

Flood Insurance

Flood insurance is essential as standard homeowners insurance policies do not cover flood damage. This coverage can be secured through the National Flood Insurance Program (NFIP) or private insurers.

Windstorm Insurance

Windstorm insurance may be necessary for homes in areas at high risk for hurricane and tornado damage. This coverage can be purchased as an additional endorsement or as a standalone policy.

Water Backup Coverage

This coverage offers protection from water damage if sewage water backs up into your home.

Debris Removal Coverage

Debris removal coverage covers the removal of debris, like fallen trees, from your property.

Preparing for a Hurricane Insurance Claim

To prepare for a claim, take routine photos and videos of your home’s exterior and interior, major renovations, and repairs. After a storm, document everything again as this can help expedite your claim process.

The Consequences of Dishonesty in Hurricane Insurance Claims

Being untruthful when filing a hurricane insurance claim can lead to severe consequences. Insurance fraud is a serious offense that can result in denied claims, increased premiums, and even criminal charges. The best approach is to provide accurate information, backed by evidence.

Renters and Condo Owners: Do You Need Hurricane Coverage?

Renters and condo owners should also consider hurricane coverage. Renters need insurance for their possessions and additional living expenses, while condo owners should understand what areas of the structure are covered by the association and what they need to insure.

Frequently Asked Questions

  • Is there standalone “hurricane insurance”?
  • What is a hurricane moratorium?
  • Does car insurance cover hurricane damage?
  • How much does flood insurance cost?

Remember, the team at Cueria Law Firm LLC is always here to help you navigate the complex process of filing a hurricane insurance claim. As your St. Mary Parish Hurricane Attorney, we’ll ensure you understand the importance of honesty in these claims.

If you are looking to buy a home soon, it’s crucial to compare pricing and coverage with multiple insurance companies. And always take the time to understand your policy thoroughly.

For more information or legal assistance, feel free to contact us.

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