Tornadoes, lightning strikes, fires, high winds, ravaging hail, heavy rain, flooding, earthquakes … and more.
A recent national article citing the “perils” linked with natural disasters notes their broad-based and often catastrophic nature. Every one of the calamities listed above can destroy a home or business in an instant.
Oklahomans know all about that. The state spells ground-zero terrain for the oft-referenced Tornado Alley that is an annual nemesis across a wide swath of the United States. Post-disaster effects linked with many causes routinely demand that state residents dust off their insurance policies and duly call upon their coverage providers to contractually perform in the wake of property losses.
Unsurprisingly, things don’t always go smoothly during the claims process. We note that on our website at the proven Oklahoma City insurance law firm of Mansell, Engel & Cole that. We stress therein that it is quite common for an insurer to “claim that the damage to your home [or business] is due to some other cause not covered by your policy.”
To wit: You know that high winds tore your roof off, but the insurer insists that the damage is an uncovered event because of alleged instability owing to long-term deterioration. Or perhaps a tornado wreaked havoc on your covered structure, but the insurance company obstinately refuses to pay based on the argument that your loss owes to uncompensable ground settling.
That happens, and more than rarely.
When it does, an Oklahoma policyholder might reasonably want to enlist knowledgeable and timely aid from a proven pro-policyholder insurance law legal team. Experienced attorneys can forcefully litigate on behalf of clients involved in claim disputes and obtain maximum settlements that they are entitled to in good faith.