Tornado Damage Insurance Lawyers Helping Property Owners Receive Fair Benefits for over 36 years
Oklahoma consistently ranks among the top five states for tornadoes annually. Between the years of 1991 and 2015, the state averaged more than 65 tornadoes per year. Damage from these storms can cost millions to fully repair, making tornado damage insurance crucial for Oklahomans. However, after a storm hits, many property owners place claims on their storm damage insurance only to have their companies refuse to pay the benefits they deserve.
For more than 36 years, our team at The Tawwater Law Firm in Oklahoma has represented policyholders during insurance disputes. Our tornado damage insurance lawyers understand the complexities of insurance policies and can fight for your rights after a bad faith insurance denial. If your insurance carrier has refused to pay for storm damage after a tornado, contact our firm online or call (405) 607-1400 to speak to a member of our team today.
Understanding Your Coverage Tornado and Storm Damage
It is critical to make sure you understand your policy in the event of a tornado. The amount of coverage to which you are entitled will depend on the type of policy you originally purchased. Our team can help you understand your coverage and work to ensure you receive compensation for all covered losses, including:
- Hail damage
- Wind damage
- Water intrusion
- Damaged landscaping
- Catastrophic loss
Even if your home was not in the direct path of the tornado, your property likely sustained damage as a result of the storm. In many cases, storm damage can make a building uninhabitable. If you purchased storm damage protection or specific tornado insurance, you deserve to receive the benefits in which you invested. We can review your policy and determine if your company acted in bad faith by denying you proper coverage.
What Counts as a Bad Faith Denial?
Insurance companies are required to show reasonable cause for denying or delaying payments. However, the unfortunate truth is that companies are often more concerned with making money than helping their clients rebuild. There are many behaviors which can constitute bad faith on the part of your company, including:
- Denial of valid property damage claims
- Failure to pay claims promptly
- Excessive reporting requirements
- Unfairly low claim assessments or settlement offers
- Failure to properly investigate and assess damage claims
Some providers may also claim your building was not up to the certain code requirements before the accident and deny your claim. Our team at The Tawwater Law Firm can help you gather the necessary evidence to prove your insurance provider did not live up to the rights allowed to you in your policy.
Appealing an Insurance Denial
If you were denied coverage unfairly, there are several avenues available to you. You can appeal the decision internally with your provider. This process may involve a hearing in front of a panel or committee. Our team can assist you in gathering the necessary documents to dispute your claim and provide representation during any hearings.
If all else fails, The Tawwater Law Firm is willing to take your case to court.
For cases in which the internal review fails to provide results, we can help you file for an external review with the Oklahoma Insurance Commissioner. If all else fails, The Tawwater Law Firm is willing to take your case to court and hold your insurance company responsible and seek the compensation you deserve. In some cases, we can pursue punitive damages against the insurance company and recover additional compensation in excess of your policy limits.
Aggressive Attorneys Defending Your Rights
At The Tawwater Law Firm, we handle insurance disputes and insurance bad faith claims on a contingency basis, meaning we do not collect unless we win the coverage you deserve. For more information about how our law firm can help victims of storm and tornado damage, contact us online or call (405) 607-1400 to speak to a member of our team today.