Jackson Hurricane Damage Insurance Dispute Lawyers
Helping hurricane victims restart their lives across the Southeast
More than $250 million in insurance dispute recoveries
Hurricanes can quickly destroy homes and buildings, cause floods and wind damage, and make life miserable for anyone in their path. At McWherter Scott & Bobbitt, we work to document your damages, and we determine the cost of repairing the damage (or rebuilding or relocating). Our Jackson hurricane insurance dispute lawyers work to obtain the temporary funds you need to move to temporary living or work locations. We skillfully demand compensation for all your property, personal, and business damages. Call us in Jackson today for help.
How can we help?
- What categories are used to classify the severity of hurricanes?
- What steps should I take before, during, and immediately after a hurricane in Jackson, Mississippi?
- Does my insurance cover hurricanes?
- What types of damage do hurricanes cause?
- What types of hurricane disputes do your Jackson insurance lawyers handle?
- Do you have a Jackson hurricane insurance dispute lawyer near me?
What categories are used to classify the severity of hurricanes?
The severity of hurricanes is classified by the wind speeds. According to the National Oceanic and Atmospheric Administration (NOAA), which categorizes hurricanes by the Saffir-Simpson Hurricane Wind Scale, the categories are as follows:
- Category 1. Wind speeds up to 74-95 mph. This category of hurricanes will result in some damage. Trees may snap and topple. Power outages could last for several days. “Well-constructed frame homes could have damage to the roof, shingles, vinyl siding, and gutters.”
- Category 2. Wind speeds up to 96-110 mph. “Well-constructed frame homes could sustain major roof and siding damage.” Trees could block roads. Power outages could last from several days to several weeks.
- Category 3. Wind speeds up to 111-129 mph. The damage will likely be devastating. “Well-built framed homes may incur major damage or removal of roof decking and gable ends.” Water and electricity will likely be unavailable for days or weeks.
- Category 4. Wind speeds up to 130-156 mph. The damage will be catastrophic. Homes will likely suffer severe roof damage and damage to the exterior walls. “Fallen trees and power poles will isolate residential areas. Power outages will last weeks to possibly months. Most of the area will be uninhabitable for weeks or months.”
- Category 5. Wind speeds of 157 mph or higher. Most framed homes will be destroyed. Residents will be isolated or unable to return to their homes for weeks or months.
What steps should I take before, during, and immediately after a hurricane in Jackson, Mississippi?
Jackson residents should comply with directives from Jackson and Mississippi officials. You and your family may need to evacuate. Businesses may need to cease operations so their workers can be safe.
Safety precautions when hurricanes are forecast include the following:
- Before the hurricane. Homeowners should ensure that they have enough food and clean water. Homeowners and business owners should consider buying batteries, chargers, and flashlights. Loose items, like outdoor folding chairs, should be brought inside. Fill up your car’s tank with gas. Business owners should take steps to be able to work from home.
- During the hurricane. Consider going to a place out of range of the hurricane. Board or shutter the windows.
- After the hurricane.Only return home or to work when Jackson authorities say it is safe to return. Stay away from any downed power lines. Take pictures/videos of the damage. Contact your insurance carrier. Contact our accomplished Jackson hurricane insurance lawyers. We can explain what else you need to do and are here to help you get temporary funds if needed and obtain full compensation for your losses.
Does my insurance cover hurricanes?
Different insurance policies may cover hurricane damage. It’s best to review your coverage with an experienced agent before the hurricane season. Our Jackson hurricane insurance lawyers can review which of your policies covers your damage after a hurricane happens.
The insurance policies that protect homeowners and businesses after a hurricane include the following:
- Homeowner’s insurance.This policy usually covers the damage to your home’s foundation, exterior, roof, windows, interior, and your personal possessions.
- Commercial property insurance.This policy covers damage to building structures and the contents of your workplace.
- Flood insurance.Hurricanes can cause flooding and mold damage. We work to show that your homeowner’s or commercial property insurance covers the damage. If the hurricane damage also causes flooding, then you may need a separate flood insurance policy.
- Business interruption insurance. Businesses should have separate business interruption insurance to cover the cost to relocate the business until their workplace can be restored, conduct their business from a different location (including notifying clients of the relocation, investing in new technology, and other business expenses), and the net profits the company loses due to the hurricane.
- Other policies.Other insurance policies that may pay for hurricane damage include comprehensive insurance policies for vehicles, umbrella policies, and excess coverage policies.
Additionally, our lawyers can work to help you obtain any funds and resources that the Federal Emergency Management Agency (FEMA) and the Mississippi Emergency Management Agency (MEMA) provide.
What types of damage do hurricanes cause?
According to USA Today, hurricane season in the United States runs from June 30 to November 30. For 2025, the National Oceanic and Atmospheric Administration (NOAA) forecast is for six to ten hurricanes in 2025.
Hurricane damage includes the following:
- Building damage. Hurricanes can damage homes, commercial buildings, churches, and other structures; including roofs, exteriors, interiors, and the structure’s foundation.
- Utility services. These services include plumbing, electrical, and HVAC services.
- Water damage. The rains from hurricanes can flood septic tanks and seep into every corner of your home or business. Water damage may also lead to mold and mildew damage.
- Internal damage. Hurricanes can damage your furniture, appliances, clothing, inventory, equipment, and all of your other personal or business possessions.
- Tree damage. Hurricanes can cause trees to fall. Fallen trees can damage your homes, cars, and any other property, such as patios and sheds on your property.
Objects can literally fly into your home through windows. Hurricanes can also lead to fires, which can destroy everything you own.
What types of hurricane disputes do your Jackson insurance lawyers handle?
At McWherter Scott & Bobbitt, we handle all types of insurance disputes related to the weather. Our Jackson hurricane insurance lawyers help policyholders with the following types of claims and dispute issues:
- Showing that your insurance policies cover hurricane damage. We also contest potential exclusions raised by your insurance company.
- Obtaining advances so you can relocate. We help you obtain the money you need to move until your home or business can be restored, and all the accompanying emergency expenses, such as food and technology, that you need while you’re away from your home/business.
- Determining the amount of the deductible. In hurricane claim cases, the deductible may be a percentage of your claim instead of a preset dollar figure.
- Placing a value on all your damages. Our Jackson hurricane insurance dispute lawyers hire experts (builders, electricians, plumbers, engineers, business interruption experts, appraisers, and others) to help identify the damage to your structures, contents, and personal possessions. These experts provide reports on the cost to fix these items or the cost to rebuild/replace them, depending on the scope of the damage. These experts also provide estimates on the types of materials you’ll need, any hidden damages, and the time to complete the repairs, rebuilding, or replacement.
Our insurance dispute lawyers also file bad faith claims when insurance companies try to force you into a bad settlement by delaying payment or making clearly unreasonable arguments.
Do you have a Jackson hurricane insurance dispute lawyer near me?
Yes. Our office is located at 4780 I-55 N, Suite 100, in Jackson, Mississippi. Our lawyers speak with clients by phone and with the help of online video platforms. McWherter Scott & Bobbitt also speaks with policyholders by phone and through video consultation. We can make arrangements, when necessary, to view (or have someone we work with view) your hurricane damage.
We understand how anxious you are. We’ve helped many home and business owners obtain the temporary advance they need to survive and the insurance proceeds they need to start over.
Contact Jackson hurricane insurance lawyers now for immediate help
Hurricanes often sound as bad as they look. The rain and wind pound at your home or business for hours, maybe days, on end. When the hurricane is over, policyholders have the right to expect that the insurance companies that gladly took their premiums will now step up to pay policyholders for all of their covered damages. When insurance companies try to deny or limit your claims, McWherter Scott & Bobbitt is ready to help. To schedule a consultation, please call us or complete our contact form.
Our Jackson insurance dispute lawyers also represent policyholders throughout Mississippi and in Tennessee, Kentucky, Alabama, Georgia, Missouri, and Arkansas.