Wisconsin Insurance Law: How to Handle Claims for Severe Weather Damages
Wisconsin residents are no strangers to severe weather events, including heavy rains, thunderstorms, hailstorms, and winter storms. These weather occurrences can lead to significant property damage, making it essential for homeowners to understand Wisconsin insurance law, particularly how to navigate claims for such damages.
When facing damage from severe weather, the first step is to review your insurance policy. Most homeowners in Wisconsin carry a standard homeowners insurance policy that generally covers damages from storms, wind, and hail. However, it’s crucial to be aware of the policy limits, deductibles, and any exclusions specific to severe weather events.
In Wisconsin, if you experience severe weather damage, follow these steps to handle your insurance claim effectively:
1. Document the Damage
Before making any repairs, document all damage thoroughly. Take clear photographs or videos of the affected areas and list the damages in detail. This documentation will be invaluable when submitting your claim to the insurance company.
2. Notify Your Insurance Company
Contact your insurance provider as soon as possible to report the damage. Most companies have a specific time frame in which you must file a claim after the damage occurs. Provide them with your documentation and be prepared for a claims adjuster to assess the damage.
3. Understand Wisconsin's Law on Insurance Claims
Wisconsin insurance law mandates that insurance companies must investigate and process claims promptly. Under Wisconsin law, insurers are required to respond to your claim within a certain period, typically 15 days after report submission. If your claim is denied, the insurer must provide a written explanation detailing the reasons for the denial.
4. Be Aware of Your Rights
As a policyholder, you have rights concerning your insurance claim. If you disagree with the insurance company's assessment or their decision regarding your claim, you can seek mediation or file a complaint with the Wisconsin Department of Insurance. It’s also beneficial to consult with an insurance attorney to review your case thoroughly and discuss potential legal avenues.
5. Keep All Correspondence
Maintain a log of all communication with your insurance company, including dates, names, and details discussed. This record can be helpful if you encounter issues with your claim or need to pursue further legal action.
6. Know the Timeline for Claim Payments
Once your claim is approved, Wisconsin law requires that your insurer issue payment promptly. While most insurance companies provide timely payments, it's essential to follow up if you experience delays. You may also inquire about the payment timeline during your communication with your insurer.
7. Prepare for Possible Underpayment
In some cases, an insurance company may offer a settlement that does not cover the total cost of repairs. If this happens, you can negotiate with your insurer, presenting additional evidence of the damages and associated costs. Evaluating estimates from contractors or restoration specialists can strengthen your case.
8. Review State-Specific Coverages
Wisconsin also offers specific coverages related to certain weather events. For example, flood insurance is often not included in standard homeowners policies. Understanding the specific coverages available can help you prepare for severe weather events better and ensure that you're adequately protected.
In conclusion, handling claims for severe weather damages in Wisconsin requires a clear understanding of your policy, thorough documentation, and awareness of your legal rights. By following the steps outlined above, you can navigate the claims process more efficiently and secure the compensation needed to restore your property.