Hurricane damage is a common problem in the Virgin Islands. The season in which hurricanes are common is from June to November in the Northern Atlantic and the surrounding regions. It extends from May 15th to November 15th in the regions near the eastern Atlantic. Hurricanes have, alongside other natural disasters, caused millions of dollars in property destruction and personal injuries.
Most of the time, people do not file personal injury and property damage claims after surviving a hurricane. Victims may feel scared, confused or frustrated about what is happening. An insurance claim at the right time, however, can greatly help a person affected by a hurricane receive the compensation they need to restore their damaged residential or commercial property.
The problem is that insurance companies do not have your best interests in mind and aren’t concerned about providing the coverage your livelihood depends on. They can low-ball their own policyholders during desperate times by delaying and denying property damage claims. This isn’t fair, but luckily our St. Thomas lawyers know of solutions.
Thus, if you or someone you love has suffered large-scale destruction because of a hurricane in the Virgin Islands, you may have a legal case. The lawyers at ChancoSchiffer Law, LLC can help you build your case and make a legal claim for your damages. Contact (340) 201-4667 to get started.
Insurance Coverage for Your Property
Property insurance is essential for both your home and business. It provides financial reimbursement for damages and injuries inflicted on you, someone else or your property.
Typical homeowner’s policies cover a range of natural disasters, excluding floods, which are inevitable during a hurricane. Since hurricane insurance policies do not include flood insurance, it is advised that you buy a separate hurricane insurance policy with windstorm coverage and a separate flood insurance policy, according to Lieutenant Governor Potter of the US Virgin Islands.
We urge you to equip yourself with the following policies to best prepare for a hurricane:
- Renter’s insurance
- Homeowner’s insurance
- Flood insurance
Business Owners' Policy
Commercial property insurance provides coverage to owned and rented business properties when disaster strikes, such as a hurricane. There are several types of commercial property insurance; the business owner’s policy (BOP) is a package that combines common property and liability protection policies into one. Your business may qualify for BOP depending on its size, location, revenue and other factors.
A standard BOP includes:
- Property insurance for buildings and contents owned by the company.
- Business interruption insurance, which covers the loss of income that your business experienced after a disaster, such as a hurricane.
- Liability protection, which covers your company's legal responsibility for the damage it caused to others as a result of its actions or failure to act.
When a St. Thomas hurricane damages your home or business, your insurance company is obligated to provide the coverage you’ve long paid for and deserve. However, as mentioned earlier, insurance companies are notorious for cheating their policyholders out of the protection they are owed.
As such, you need our St. Thomas attorneys to get your insurance company to pay. They will work tirelessly to maximize your timeline and compensation for your property damage, and go above and beyond to ensure every inch of your home or business is accounted for. Rather than relying on a public adjuster to determine the amount of coverage you get, allow a reliable team to handle that. Unlike your insurance company, we want to work for a maximum settlement on your behalf.
Types of Damage That Result From Hurricanes
Hurricanes and other major storm systems can cause mass-level destruction. They can completely change victims’ lives, taking away their homes and causing severe personal injuries. It may take thousands of dollars to rebuild and recover following a major hurricane. Many different kinds of damages can result from a hurricane.
- Property destruction
- Boat and vehicle damage
- Landscape damage
- Flooding damages
- Personal injuries
- Wrongful death
Hurricanes have strong winds that can rip entire houses from their foundations. Fatalities can also occur as a result of hurricanes and bad storms. In these cases, the life insurance company of the victim may be accountable for reimbursement. If a person does not have life insurance, however, the reimbursement will come from the hurricane insurance policy. Either way, the victim will need to file an insurance claim and successfully negotiate a fair settlement.
Who Is Responsible?
A hurricane is an act of god. That does not, however, mean victims do not have grounds for financial recovery. The damage that results from hurricanes and natural storms may be eligible for reimbursement by a victim’s insurance company. It is up to you to gather information and evidence, take photographs of damages, and to file your insurance claim on time. You or your lawyer must then negotiate a fair settlement amount. If you do not feel comfortable taking on your claim alone, a lawyer can help.
Why You Need a Lawyer
Claiming insurance benefits after surviving a hurricane in the Virgin Islands can be extremely overwhelming. Insurance companies often take advantage of the confused state of claimants. They rely on claimants’ lack of knowledge of their rights as insurance holders. They may try to avoid liability. A good lawyer or advocate can help you sort out through your insurance claim in a way that protects your rights.
You should depend on the lawyers at ChancoSchiffer Law, LLC for the following reasons:
- The extremely professional, skilled, and experienced people working in the firm do their utmost to make sure you win the case.
- The attorneys are on your side, not on the insurers’. The insurance companies use every trick in the book to avoid liability.
- Rather than depending on a public adjuster, clients can depend on our St. Thomas attorneys to ensure all property damage is accounted and compensated for
- The lawyers of our firm dedicate their lives to representing victims with injuries or property losses because of hurricane damage.
- The firm has successfully recovered millions of dollars on behalf of past clients, including during hurricane damage claims.
- The fees of our attorneys come as a small percentage of the insurance money clients receive as reimbursement. We require $0 upfront.
Call Us Today
If a hurricane has destroyed your property or changed your life and you wish to file an insurance claim, contact ChancoSchiffer Law, LLC for legal counsel. We have years of experience handling natural disaster claims throughout the Virgin Islands. Our lawyers will listen to your story and take action to help your family. Let us help you go through the claims process. Call (340) 201-4667 today.
Trial Lawyers College
All three attorneys are graduates from the Trial Lawyers College.
We will never stop working until we get the best possible outcome for our clients.
Our firm takes on a small caseload to ensure that your case receives the attention that it deserves.
Over $10 Million recovered for our personal injury clients. Our Attorneys are known for setting records in hard cases.
Our firm offers free consultations. It is important to us that we have the opportunity to get to know our clients in order to obtain the best result.
At ChancoSchiffer Law, LLC, our attorneys have over four decades of combined legal experience.