Catastrophe Response Hurricane Michael
How to Handle Your Hurricane & Windstorm Claim Notify Your Insurer Document Damages Hire a Public Insurance Adjuster (PA) or Contractor (GC) Complete a Proof of Loss Form *Highly Recommend* Contact an Insurance Attorney P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Hurricane & Windstorm (Cont’d) Notify Your Insurer Document Damages ● ● We know it’s difficult seeing your home or Call your insurance agent or insurance carrier’s claim department business in a wreck; however, we recommend documenting damages prior ● Click here for a list of carrier telephone to cleaning up numbers listed alphabetically ● Pics & videos via a smartphone will do the trick ● You’ll be surprised how often carrier’s deny or underpay hurricane claims P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Hurricane & Windstorm (Cont’d) Hire a PA or GC Complete a Proof of Loss Form ● ● Be sure to hire a public adjuster well Many carriers now have a clause in their versed in windstorm & hurricane estimates policies necessitating a proof of loss for the claim to be valid ● Be sure to hire a general contractor well ● Ask the carrier’s adjuster for their versed in windstorm and catastrophe cleanup/repair; the GC should provide you template; be sure to ask for any additional with a bid claim forms they may need you to fill out ● ● Never estimate your own loss By law, these must be sent to you within a specified time period after reporting P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Hurricane & Windstorm (Cont’d) CONTACT AN INSURANCE ATTORNEY ● After hurricanes hit, insurance CAT (catastrophe) response teams are sent out to mitigate losses ● After a certain threshold (value $) is reached, these CAT teams begin denying or grossly underpaying claims ● Out goes their care for policyholders, in comes their bad faith acts ● Ultimately, an insurance company is a business and is more interested in saving money and pleasing their shareholders than upholding their contractual promises. P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
How to Handle Your Flood Claim Notify Your Insurer Submit a Formal Notice of Claim Hire a Public Insurance Adjuster (PA) or Contractor (GC) Complete a Proof of Loss Form *Highly Recommend* Contact an Insurance Attorney Submit a Formal Appeal to FEMA P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Flood Claim (Cont’d) Notify Your Insurer Submit a Formal Notice of Claim ● ● Call your insurance agent or insurance Click here to download a template carrier’s claim department ● Fill out the form & submit it to your flood ● Click here for a list of carrier telephone insurance carrier via mail, e-mail, or fax numbers listed alphabetically ● Do NOT estimate loss or casualty. If the carrier requests an estimation, tell them you will hire a PA or GC P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Flood Claim (Cont’d) Hire a PA or GC Complete a Proof of Loss Form ● ● Be sure to hire a public adjuster well Many carriers now have a clause in their versed in flood estimates policies necessitating a proof of loss for the claim to be valid ● Be sure to hire a general contractor well ● Click here for FEMA’s proof of loss form. versed in water damage and catastrophe cleanup/repair; the GC should provide you Your carrier may have their own proof of with a bid loss template ● Never estimate your own loss P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Flood Claim (Cont’d) Contact an Attorney Submit a Formal Appeal to FEMA ● ● If your claim was fully or partially denied or Submit an appeal to FEMA within 60 days severely underpaid, contact an attorney of your insurer partially or fully denying your claim ● Makes sure the attorney is well versed in ● property insurance disputes AND Also submit the proof of loss, PA estimate catastrophe losses such as hurricanes or GC bid, and all other supporting documentation ● Statute of Limitations on flood claims is ONE year P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Appraisal ● Most policies now have an appraisal clause ● Consult with your PA, GC, or attorney prior to invoking appraisal ● Appraisal can be invoked by either party at any time P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Life of a Claim in Litigation Pre-Litigation • PA / Contractor • File Lawsuit • Attorney • Mediate > Settle • LOR / Demand Contract OR • Reinspection • Process Intake • Trial > Settle • Attempt Pre-Lit Settlement Policyholder is grossly underpaid or Litigation denied their claim. Life of a Claim – Thorough Outline (Click Here) P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
Our Team James M. McClenny, Founding Partner J. Zachary Moseley, Founding Partner Ambar L. B. Istre, V.P. of Operations Jessica Sloat, V. P. of Marketing Derek L. Fadner, Associate Attorney Heather E. Hall, Associate Attorney Sean M. Patterson, Associate Attorney Aremis Pastrana, Paralegal to Derek Guadalupe M. Torres, Paralegal to Heather Adrienne L. Jackson, Paralegal to Sean Isis E. Rodriguez, Legal Assistant WWW.MMA-PLLC.COM P: (844) 662-7552 | E: messages@mma-pllc.com | A: 411 N. Sam Houston Prkwy, Suite 200, Houston, Texas 7706 0
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