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Sometimes a thorny issue: insurance recovery following a storm

Following is a fact pattern that spells a scary hypothetical -- or actual reality -- for many homeowners in Minnesota and elsewhere across the Midwest, owing to the capricious nature of our decidedly robust weather.

The storm arrived and has now departed, leaving you to literally pick up the pieces. Strong winds tore down trees, broke windows and exacted additional damage. Hail, too, was a factor.

And the rain just poured for hours before dissipating, leaving a trail of storm damage in its wake.

The logical question on any homeowner’s mind in the aftermath of such chaos is likely this: What’s covered?

That is, what does my insurance policy specifically provide for, and how will my insurer respond to the damage that has adversely affected my property?

As noted in a recent media article discussing storm damage, many homeowners confront an unsavory reality following bad weather, with their insurers balking over or flatly rejecting claims based on destruction caused by water.

Indeed, water can be a tricky element when it comes to property insurance, with insurers often rejecting water-related claims, citing policy exceptions for ground water that causes flooding.

In fact, much water-based damage occurs following the havoc wrought by wind, hail and other strong weather elements, and not because of flooding. Flooding may play a role in the damage, but moisture incursion owes primarily to other factors.

It is far from uncommon for homeowners to confront recalcitrance and a flat lack of cooperation from insurers following a claim for damage where water played a role.

In such a case, a proven insurance recovery attorney can provide fresh eyes and insight, bringing specialized knowledge of the insurance industry and commonplace insurers’ tactics to the investigative process.

The damage might indeed have owed to flooding. Then again, it might have been caused by other factors altogether, making an insurer contractually obligated to perform in good faith by honoring the terms of a policy., "Flooding common exception in insurance policies," Russ Wiles, Sept. 9, 2014

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