Migliaccio & Rathod LLP is investigating whether Washington homeowners have been underpaid for covered debris removal expenses following windstorms, fallen trees, and other storm-related property damage.
When a windstorm damages a home, homeowners may need to remove fallen building materials, damaged roofing, or other debris before repairs can begin. Some homeowners insurance policies provide additional debris removal coverage when the combined cost of covered repairs and cleanup exceeds the standard dwelling coverage limit. Separate restrictions may apply to fallen trees and landscaping debris.
Migliaccio & Rathod is investigating whether insurers failed to apply additional debris removal benefits when the policy’s requirements were satisfied, potentially leaving homeowners responsible for cleanup costs that should have been covered.
Homeowners May Have Experienced:
- Paying to remove damaged roofing, siding, or other structural debris after a windstorm;
- Having cleanup expenses deducted from the dwelling coverage limit;
- Being denied additional debris removal benefits after exhausting dwelling coverage;
- Receiving less than the additional cleanup allowance provided by their policy;
- Having covered debris removal expenses excluded from a claim settlement; or
- Paying out of pocket for cleanup expenses that may have qualified for reimbursement.
Potential Claims May Include:
- Failure to provide contractual debris removal benefits;
- Incorrect calculation of additional coverage allowances;
- Breach of insurance contract;
- Improper underpayment of covered storm cleanup expenses; or
- Violations of applicable insurance laws.
Signs You May Be Affected:
- You had a homeowners insurance policy in Washington;
- Your home suffered covered damage from a windstorm or fallen tree;
- You incurred expenses removing debris from a damaged insured structure;
- Your claim exhausted the applicable dwelling coverage limit;
- Your policy included additional debris removal coverage that may not have been paid; or
- You have cleanup invoices, claim records, and the applicable policy provisions.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.