After severe weather, a great deal of focus from the media is often put on the damage caused to structures and buildings, like homes or commercial property. Less commonly, however, is the sometimes irreparable damage that can be done to land shown. But for many people, land damage can be even more devastating than sustaining damage to a structure. Unfortunately, because of complicated insurance plans and reluctant insurance companies, many people find themselves struggling to understand whether this damage is covered or to get the financial coverage they need.
Damage to land can affect anyone, but is perhaps most devastating when it affects those who own large amounts of land, such as farmers, ranchers, etc. In these circumstances, some damage to the land might be covered if one has farm land insurance, a type of insurance available to farmers and ranchers. However, many others who sustain damage to their land might not be similarly covered.
Insurance policies vary significantly from person to person and carrier to carrier, so it’s critical that you understand the extent of your own insurance coverage. In some cases, for instance, damage to your land might not be covered by your insurance policy, unless certain physical features, like trees, destroy or damage structures on your property (for example, a tree falling on your home or a fence).
When you believe that your insurance company covers damage to your land, but is failing to provide the financial assistance you need, our lawyers from Smith Kendall, PLLC, can help. Find out what legal options may be available to you today by calling us at 214-361-6124.