Gretna, LA (PRWEB) September 18, 2012
Although many Americans were able to face Hurricane Isaac with adequate preparation, the damage caused by the storm has raised numerous questions among homeowners regarding their insurance policies. A recent article from The Huffington Post offers tips to homeowners who want to ensure that their policy offers enough coverage in the event of severe weather. Understanding that insurance companies can be reluctant to provide payment to homeowners following a natural disaster, Louisiana-based attorney Keith Magness encourages homeowners to fully understand their policies and to keep detailed records to ensure that there are no gaps in coverage.
The article recognizes that the effects of a storm, such as a hurricane, can cause emotional distress, which can often make properly filing an insurance claim more stressful. Keith Magness asserts that, although severe weather can raise panic, it is imperative to be prepared, remain calm and to follow the necessary steps to avoid a lapse in any repayment expected from an insurance claim. The article suggests that to do this, homeowners fully document the details of their home before and after the incident. While this may seem like an obvious instruction, the article reveals that many homeowners fail to provide proper documentation, which can make it difficult for individuals to highlight specific damage.
In addition, it is important that homeowners consider all the risks that could cause damage to their home, especially in terms of flood coverage. While many individuals open policies, the article notes that numerous homeowners make the mistake of not following the guidelines of their policies, which can affect future coverage in the event of an emergency. The article explains that, although a policyholder may maintain coverage, there are changes that can occur over a period of time that can affect the overall policy. For example, those with older homes may be required to make repairs to their property to meet current construction codes in order to ensure that policies are still valid.
In response to the aforementioned suggestions, Keith Magness recommends, “It is a good practice to visit with your insurance agent on an annual basis to review your coverage and update the insurance company with regard to the characteristics of your home. Such practice should ensure no gap in coverage in the event of a loss or claim being made.”
A Louisiana-based lawyer, Keith Magness is the founder of the Law Office of Keith L. Magness, LLC. As an attorney, Magness provides legal assistance in numerous practice areas, including criminal defense, family law, contract disputes, estate planning and automotive accidents. Prior to entering law school, Keith Magness was a Military Police Officer in the United States Marine Corps Reserve and was based in New Orleans, Louisiana. Today, he continues to uphold the laws set forth by the United States government by representing his clients.
For more information about Keith Magness and his practice, visit http://www.magnesslaw.com.