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You Still Have Rights, Even If you File After September 1, 2017

Hurricane Harvey Insurance Claim

Earlier this week I had a Facebook post on Hurricane Harvey, and I advised people to go ahead and get their claims in writing to insurance companies before September 1, 2017, because policyholders will lose some of their rights if they don't file by September 1, 2017.  I want to clarify a few things and let you know what you still can do with respect to Hurricane Harvey claims.  It’s now past September 1, 2017 and you still have rights to go forward against the insurance companies.  If you have an insurance claim, you should go ahead and make it now by making it on your homeowner’s insurance.  Don’t forget to make your claim in writing, and if you feel like you're underpaid or they wrongfully deny it, then go ahead and seek counsel and ask them to give you advice on your insurance policy.  Your attorney will let you know about your rights.  More importantly, only 18% of the people who had damage as a result of hurricane Harvey has coverage, because only 18% of the people have flood insurance under the national flood insurance program.  It may appear that you are out of luck if you don’t have flood insurance, however FEMA the government organization at FEMA.gov has set out how you can go ahead and make a claim, they will direct you to another website called disasterassistance.gov where they will let you know how to make a claim through the government to try and get help for your flood damage in case you don't have flood insurance.  Your rights are not gone, you still have rights after September 1, 2017, but they are a little bit less because of the change in law, but you should still keep going forward by making your claim through FEMA.gov and disasterassistance.gov. if you don’t have flood insurance.  If you need any help with any part of your claim, feel free to give us a call and we will be more than happy to answer any questions.

Jim M. Zadeh
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Attorney at Law