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Wilmington Natural Disaster Assistance Lawyer

We’re Here to Help with Your Insurance Claims

North Carolina is no stranger to natural disasters. Hurricanes, floods, earthquakes, tornadoes, and more have been known to occur. When they do, they leave NC residents wondering about the aftermath.

After any natural disaster, it is always a good idea to be represented by an experienced, local attorney. Rhine Law Firm, P.C., can speak to the insurance company on your behalf to ensure your claim isn’t unfairly denied and you get a fair settlement for your losses. Call us today at (910) 772-9960 to schedule a free consultation. We’ve been through these issues with natural disasters before, and we’ll use our experience to help you rebuild.

Insurance Issues After a Natural Disaster

It’s important for homeowners to contact their insurance companies as soon as possible once the natural disaster has passed. Many insurance companies have disaster teams that will visit an area to get the claims process started, but the process can begin on the phone as well. Claims are generally handled in a "first come, first served" basis.

The amount an insurance policy will cover after a disaster depends on each policyholder’s limits. Property damage from wind is typically covered under standard homeowners insurance policies. Flood damage, on the other hand, is not. For example, if the wind caused a tree to crash through a home’s roof, that would likely be covered. If a hurricane caused flooding, though, homeowners would likely not have protection against it under a standard policy.

Separate flood coverage can be purchased through the federal government’s National Flood Insurance Program, so those who live in flood-prone areas are wise to obtain this insurance well before a storm or other disaster. This insurance takes 30 days before it takes effect, so hearing of an approaching storm and buying insurance may not cover you in time.

When vehicles have been damaged by a storm, comprehensive auto insurance will cover the repairs or replacement. This type of insurance is not required by the State of North Carolina, however, so those in vulnerable areas should make the investment in case a natural disaster hits.

When the personal property of renters has been ruined due to a natural disaster, they can recover the cost of replacing or repairing that property if they have renters insurance. All tenants are advised to obtain renters insurance in case of natural disaster, or another disaster in the home, such as a fire.

Repairing Property After a Natural Disaster

When people suffer significant property damage during a natural disaster, they often wonder if they can start repairing it right away. It’s often thought that if repairs are not done properly, or without the consent of an insurance company, it could invalidate a claim, but not necessarily.

Homeowners who want to repair their property after a natural disaster can make temporary repairs. Placing a tarp over a hole in the home, or covering a broken window with plywood is considered okay by insurance companies and can prevent further damage from occurring.

However, before any repairs are made, pictures and videos should be taken to document the extent of the damage. If you purchase supplies to make these temporary repairs, save the receipts, as you can often get reimbursed for temporary measures by your homeowners policy.

Watch Out for Natural Disaster Assistance Scams

Unfortunately, some people try to profit off others’ misfortune after a natural disaster. People may come to your home claiming to be a contractor or insurance agent, trying to get your personal information. For this reason, it’s important to be wary of sales representatives or contractors who solicit door-to-door after a disaster. Anyone offering to help should be checked through the Better Business Bureau. It’s also important to speak to your insurance company, which can validate a company or contractor, and also approve repairs before they are made. Only businesses that are licensed and insured should be used, and you should get several quotes before deciding on who will make the repairs to your property.

Contact a Wilmington Lawyer After a Natural Disaster

Speaking to a lawyer is one of the best ways you can get back on your feet after a natural disaster. Rhine Law Firm, P.C., has extensive building and construction experience, and knows how to negotiate successfully with insurance companies. Call our Wilmington natural disaster attorneys at (910) 772-9960. We will walk you through the rebuilding process, and represent you so you are treated honestly and given full compensation.

Additional Information

“They worked hard for me after I was involved in an auto accident. I appreciate their efforts and making me feel like family.”

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-Becky, posted at Google Review

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Working with our firm means your needs will be met and your questions answered by someone who knows your name and the details of your case — every time you call.

Contact Rhine Law Firm, P.C., at (910) 772-9960 or (866) 772-9960 toll free for a free initial consultation. Evening and weekend appointments upon request. Office hours 8:30 a.m. to 5 p.m. Evening and weekend appointments also available. We also offer Spanish interpretation and translation services.

Rhine Law Firm, P.C.

1612 Military Cutoff Road, Suite 300
Wilmington, NC 28403
Toll Free: (866) 772-9960
Phone: (910) 772-9960
Fax: (910) 772-9062
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Based in Wilmington, North Carolina, Rhine Law Firm, P.C. represents clients statewide. We Regularly Meet With Clients After 5 P.M. And On Weekends

*Disclaimer: This is an advertisement by Rhine Law Firm, P.C., 1612 Military Cutoff Rd., Suite 300, Wilmington, North Carolina, 28403. The Rhine Law Firm, P.C., is licensed to practice law in the state of North Carolina and does not seek to practice in any other state or jurisdiction. To the extent that you reside in a state other than North Carolina, the Rhine Law Firm, P.C., may associate counsel licensed to practice law in that jurisdiction if necessary to comply with any and all rules of professional conduct.

No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This advertisement does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter, either express or implied. Prior outcomes do not guarantee any future results. The choice of a lawyer is an important decision that should not be based solely on advertisements. Do not rely on this advertisement in making any medical decision. Please call your physician before making any medical decision, including altering your use of any drug or treatment.

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