Storm and Wind Damage Insurance Claim Attorney in Cincinnati and Northern, KY
After a severe storm causes damage to your property, you may be overwhelmed and confused by the process of filing a property damage insurance claim, especially if your insurance company isn’t willing to pay a fair amount for your losses. At Lawrence & Associates, our Ohio and Kentucky storm and wind damage attorneys have the knowledge and skill to handle complex insurance claims and stubborn insurers. With an attorney by your side, you can maximize your chance of receiving a full and fair settlement for what you lost in the storm. Call Lawrence & Associates Accident and Injury Lawyers, LLC, at (513) 434-6698 in Ohio, (859) 251-3591 in Kentucky, or complete our online contact form.
table of contents
- Challenges With Storm and Wind Damage Claims
- What Is Insurance Bad Faith for Storm and Wind Damage Claims?
- Common Types of Storm and Wind Damage Covered in Ohio and Kentucky
- Why Choose Lawrence & Associates for Your Storm Damage Claim?
- What Options Are Available for Storm Damage Claim Denials?
- What Is the Time Limit for Filing a Claim for Storm Damage?
- Your Rights, Our Guarantee
- Contact Our Storm Damage Insurance Claim Lawyers Serving Cincinnati, Ohio & Northern Kentucky
Challenges With Storm and Wind Damage Claims
To turn a profit, it’s not uncommon for insurance companies to deploy unfair tactics to undervalue or deny claims. An experienced attorney with local knowledge of Cincinnati and Northern Kentucky can help identify these tactics and ensure that your insurer does not take advantage of you in your hour of need. Some of the tactics insurers and insurance adjusters use to get out of paying you what you deserve include:
- Lowball Settlement Offers – Insurance companies may undervalue repairs, leaving you with out-of-pocket expenses.
- Claim Denials – Policy exclusions or insufficient documentation often lead to denied insurance claims.
- Delay Tactics – Delayed claim processing can put a financial strain on property owners.
What Is Insurance Bad Faith for Storm and Wind Damage Claims?
Insurance companies strive to avoid paying storm and wind insurance claims. Fortunately, Ohio and Kentucky have laws designed to protect consumers by regulating insurance companies and how they handle claims. These laws prohibit insurers from misrepresenting policy coverage, delaying communication, refusing to pay claims without a reasonable investigation, or undervaluing settlements. If an insurer acts in bad faith by denying or underpaying valid storm and wind damage claims, they may violate these laws.
Common Types of Storm and Wind Damage Covered in Ohio and Kentucky
In Ohio and Kentucky, property insurance generally covers most damage to structures caused by hail, wind, lightning, fire, explosions, and heavy snow or ice. Standard policies typically do not cover damage caused by earthquakes, floods, water, or sewer back-ups.[GU1] However, each policy is unique, and reviewing yours carefully is important to determine what is covered. Some of the most common damages covered after severe storms include:
- Roof Damage – High winds can cause shingles to loosen or blow off, leading to leaks and structural damage.
- Hail Damage – Hailstorms can wreak havoc on roofs, siding, and windows, requiring costly repairs.
- Fallen Tree and Debris Damage – Fallen trees and debris left by heavy winds often cause significant damage to homes, vehicles, and power lines.
- Wind Damage – Most policies include some coverage for wind damage caused by high winds, severe storms, tornadoes, and hurricanes.
- Lightning – Lightning strikes can cause fires or damage to a property’s electrical system.
Meagan Tate
Partner, Lawrence & Associates
“Insurance companies are in the business of evaluating and balancing risk. If your insurance company is not fairly evaluating your claim, you should hire an aggressive attorney with a winning record that can demonstrate to the insurance company that the financial risk of litigation outweighs the potential financial reward of undervaluing your claim.”
Personal Experience with Storm Damage Claims
Partner Meagan Tate leads our Property and Casualty Insurance Claims Team. She joined the firm in 2021 after working in insurance defense for nearly a decade. This experience gave Meagan a deep knowledge of the tactics insurance companies use to deny valid claims. Meagan now uses her unique perspective to resolve cases for plaintiffs in their hour of need.
“I did not understand how emotionally exhausting a property and casualty claim could be or how greatly an insurance company could and would undervalue a claim until the roof of my own home was damaged by a storm. If I did not have the knowledge and experience as an attorney who had represented insurers in the past, I may have felt forced to accept the insurance company’s initial offer of replacing a few roof shingles instead of fighting for the full roof replacement that I needed. That experience made me determined to fight for other insureds.” – Meagan Tate, Partner, Lawrence & Associates
Why Choose Lawrence & Associates for Your Storm Damage Claim?
At Lawrence & Associates Accident and Injury Lawyers, LLC, our attorneys have decades of experience working to recover full and fair compensation for victims of storm and wind damage, including those who have faced bad faith insurance practices. With our local expertise and compassionate approach, our legal team is ready to support you on the road toward full and fair compensation.
Proven Track Record
Over the years, Lawrence & Associates has recovered hundreds of millions in settlements and verdicts for clients, including many multi-million dollar settlements.
Local Experience
Our firm has over 20 years of experience serving Cincinnati and Northern Kentucky. Our skilled attorneys have a deep knowledge of state and local regulations that impact property damage claims.
A Comprehensive Approach
Our firm provides more than legal representation. We’ll also strive to support you while you focus on rebuilding. Let us help you regain control of your future.
What Options Are Available for Storm Damage Claim Denials?
Legal remedies are available when an insurance company acts in bad faith or unfairly denies a claim. An attorney can assist in negotiating a fair insurance settlement, seeking fines against the insurer, and pursuing punitive damages if the misconduct was grossly negligent or willful. In Ohio, the superintendent of insurance can impose administrative penalties on insurers who violate bad faith laws and may order them to reimburse customers harmed by their actions.
What Is the Time Limit for Filing a Claim for Storm Damage?
The time you have to file an insurance claim for storm damage in Ohio and Kentucky varies by policy, but it’s always good practice to file a claim as soon as possible after the storm. Most policies in Kentucky require storm damage claims to be filed within one year of the date of the loss.
Your Rights, Our Guarantee
Our Client Bill of Rights sets us apart from other firms, showing how deeply we value our clients and how committed we are to providing them with the best service and experience possible. At Lawrence & Associates, our clients are guaranteed the following:
- The Right to Full Analysis – At the beginning of your case, meet with a specialist who can evaluate all aspects and ensure you’re filing the right claim.
- The Right to Efficiency – Lawsuits are not short but should be resolved as quickly as possible. We endeavor to resolve your case more speedily than our competition would.
- The Right to Updates – Your attorney will provide regular updates. This way, you’ll know what’s happening when it happens and that everything is moving forward normally, even during less active times.
- The Right to Specialization – At Lawrence & Associates, our attorneys limit themselves to a maximum of two practice areas to avoid becoming a “jack of all trades” but a master of none.
- The Right to Authority – Our legal team understands that you call the shots when settling or filing your case. The case belongs to you, and all the decisions are yours.
Our compassionate and experienced trial attorneys are here to give you a measure of justice and financial relief for what you’ve been through.
Our Case Results
Contact Our Storm Damage Insurance Claim Lawyers Serving Cincinnati, Ohio & Northern Kentucky
Recovering from storm or wind damage can be overwhelming, especially when insurance companies make the process more difficult than it should be. You don’t have to face this challenge alone. The dedicated and compassionate attorneys at Lawrence & Associates are here to guide you every step of the way, ensuring your rights are protected and your claim is handled fairly.
If your home or property was damaged after a storm in Cincinnati or Northern Kentucky, Lawrence & Associates can help. Call (513) 434-6698 to reach us in Ohio or (859) 251-3591 to reach us in Kentucky. You can also contact us online to schedule your free, no-obligation consultation. Lawrence & Associates can help answer all of your questions about property and casualty claims
"*" indicates required fields