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Dawson and Rosenthal
Dawson and Rosenthal

What s a Catastrophe Claim?

If you have experienced a catastrophe due to a fire, flood, hurricane, tornado, faulty wiring, or plumbing that leaks, you may need to file a catastrophe claim to recover from the disaster. A catastrophe claim means that a single disaster took place, and the losses people experienced will be valued at more than $25,000,000.

It is crucial that you file a prompt claim with your insurance company if you have been the victim of a catastrophic claim. The San Diego catastrophic losses insurance attorneys with Dawson Rosenthal are experienced negotiators and litigators and can help you regain the funds it will take for you to carry on with your life, home, and business. You may be eligible for disaster assistance. Your attorney can assess the details of your experience and point you in the right direction.

What Causes a Catastrophe?

Natural and manmade disasters can leave communities dealing with tragic consequences. Insurance adjusters may struggle to get into the disaster zone to evaluate what their policyholders have lost. The following claims are often considered catastrophic:

  • Hurricanes
  • Tornados
  • Flooding
  • Hail
  • Wildfires
  • Civil unrest
  • Acts of terrorism

The Insurance Information Institute tells us that catastrophic losses are predicted to double with each passing decade. This is because there are more residences and commercial structures built closer together, and they cost more to build. Climate change may play a role in the increase of catastrophic events as well.

Reporting Catastrophe Claims

If you have experienced a catastrophic event, reach out to your attorney as soon as possible. By allowing them to communicate with your insurance company’s claim center, you are more likely not to be taken advantage of in the process of securing the maximum insurance payout that you are entitled to.

When reporting your claim, provide your attorney with the following:

  • Photo ID: You will need to prove your identity. You can use a government-issued identification card, a passport, or a driver’s license to do this.
  • Details of your insurance policy: Gather your policy number and the insurance company that insures you.
  • Contact information: This is important as it may have changed if you have had to leave the area due to the disaster.
  • Date of the catastrophic event: Your attorney will need to know when the loss happened.
  • Documentation: A complete accounting of your losses is key when filing a claim. Taking photographs and videos of the scene can help illustrate your losses as well.
  • Provide the details: The more details you provide, the better. When filing a claim, avoiding back-and-forth communication of every detail can make the process of finalizing the claim go by faster.
  • Do what you can to prevent further damage: This might mean adding sandbags, turning off the water, or boarding up the windows and doors.

Contact Dawson Rosenthal About Your Catastrophe Claim Today

Reach out to the attorneys with Dawson Rosenthal as soon as possible by calling (866) 937-3820 or fill out our online form. We cannot undo the catastrophe you have suffered, but we can ease some of the pain by handling communication with the insurance company and ensuring your rights are protected. It is crucial that you are compensated for your losses, and we are here to provide assistance in making sure you are fairly treated.

Reach out today to set up a free consultation. We will evaluate your losses to ensure nothing is left on the table. Our attorneys have the skills and experience to deal with insurance companies in regard to disasters like the one you have experienced.