Mississippi homeowners know that when hurricane season hits, it can bring not only wind and water—but serious destruction. From downed roofs to flood-damaged interiors, the cost of residential hurricane damage can be financially and emotionally overwhelming. But when you do everything right—pay your insurance premiums, file a timely claim, submit your documentation—and your insurer still denies or underpays your claim, what are your options?
At Barrett Law, PLLC, we represent homeowners across Mississippi who’ve been left stranded by denied hurricane damage claims. I’m Jonathan Barrett, a Mississippi Residential Hurricane Damage Attorney with decades of experience holding insurance companies accountable. If your home has been damaged and your claim denied or underpaid, we may be able to help you recover the compensation you’re entitled to.
Why Insurance Companies Deny Residential Hurricane Claims
Insurance companies may claim to protect homeowners, but after a hurricane, many families discover that their insurer isn’t eager to pay out the compensation they need to rebuild. Common reasons for denied claims include:
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Alleged Policy Exclusions: The insurer may claim the damage was due to flooding, not wind, even when both contributed.
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Delayed Filing: Homeowners may be told they missed the reporting deadline—even if they filed promptly.
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Insufficient Documentation: Claims may be denied due to alleged lack of proof of damage or pre-existing conditions.
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Underpayment: Even if your claim is approved, the payout may be far below what’s needed for repairs.
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Blaming Pre-Existing Damage: Insurers may argue the hurricane damage existed before the storm, avoiding responsibility.
Each of these tactics can cost homeowners thousands of dollars, delay rebuilding, and even result in unsafe living conditions. At Barrett Law, we’ve seen these tactics firsthand—and we know how to challenge them.
The Real Impact of Denied Claims
When a family’s home is damaged or destroyed and their insurance claim is denied, the consequences go far beyond property damage:
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Displacement: Families may be forced into temporary housing or shelters for weeks or months.
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Financial Strain: Rebuilding costs can soar into the tens or hundreds of thousands of dollars.
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Health Hazards: Mold, water damage, and structural instability can pose serious risks.
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Emotional Toll: The stress of losing a home and battling insurance companies can lead to anxiety and depression.
If your home in Gulfport, Biloxi, Jackson, or anywhere across Mississippi has suffered hurricane damage and your insurer refuses to pay, legal action may be your best option.
Who Is Most Affected?
Denied residential hurricane damage claims affect a wide range of homeowners, especially:
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Middle-Income Families who can’t afford to pay for repairs out-of-pocket.
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Elderly Homeowners who may lack the physical or financial ability to dispute claims.
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Homeowners in Coastal Areas like Pascagoula, Bay St. Louis, and Ocean Springs, where storm surge and wind damage often overlap.
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Mobile Home Residents where insurers often try to blame damage on poor construction rather than the storm.
Barrett Law, PLLC helps families across the state who find themselves in these difficult situations. We understand the frustration and financial strain you’re facing—and we work aggressively to recover what you’re owed.
Mississippi Law and Your Insurance Company’s Obligations
Insurance companies in Mississippi must comply with both state and federal laws when handling hurricane claims. Key legal obligations include:
1. Duty of Good Faith and Fair Dealing
Under Mississippi law, insurers are required to treat policyholders fairly. When an insurer delays, underpays, or denies a legitimate claim without a valid reason, it may be considered bad faith, which can lead to additional damages beyond the policy itself.
2. Mississippi Code § 83-9-5
This law sets requirements for timely acknowledgment, investigation, and settlement of claims. If your insurer delays without justification, they may be violating this statute.
3. FEMA/NFIP (Flood Claims)
If flood damage was involved and covered by a National Flood Insurance Program policy, you still have appeal and legal rights even if your initial claim is denied.
Jonathan Barrett helps clients determine whether their denial was legal—or a bad faith tactic to avoid paying. If the insurer acted improperly, we pursue full compensation, plus penalties and attorney fees if allowed by law.
What To Do If Your Hurricane Damage Claim Is Denied
If you received a denial letter, don’t give up. Take these steps:
1. Carefully Review the Denial Letter
Understand why the claim was denied. Was it allegedly not covered? Was more documentation requested?
2. Gather All Documentation
Collect your original policy, photos of the damage, receipts for repairs, communications with the insurance company, and anything else relevant.
3. Get a Second Opinion
Independent contractors or public adjusters can often identify additional damage the insurer overlooked or downplayed.
4. Contact a Hurricane Damage Attorney
An experienced Mississippi residential hurricane damage attorney can review your denial and determine whether legal action is justified. Barrett Law, PLLC offers free consultations to help you understand your options.
How Barrett Law, PLLC Helps Homeowners
When we take on a residential hurricane damage case, our firm handles:
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Reviewing and interpreting your insurance policy
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Investigating the damage using qualified experts
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Identifying violations of Mississippi law or policy obligations
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Filing appeals or lawsuits as needed
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Pursuing compensation for full repair costs, personal property loss, temporary housing, and more
We have experience standing up to national insurance carriers who try to deny valid claims after major storms. When your home—and your future—is on the line, you need an attorney who will fight for everything you’re entitled to.
Frequently Asked Questions
Why was my hurricane claim denied if I had coverage?
Insurers often look for technical reasons to deny claims, such as alleging that flooding caused the damage (when wind may have initiated it), or that the damage was pre-existing. These are common tactics that can be challenged.
Can I reopen my claim if it was closed?
Yes, in many cases claims can be reopened, especially if new evidence is presented or if you believe the claim was wrongfully denied or underpaid. There are time limits, so act quickly.
Does my homeowner’s insurance cover both wind and flood damage?
Typically, wind damage is covered under standard homeowner policies, while flood damage requires separate coverage through the National Flood Insurance Program (NFIP). However, many claims involve both—and insurers may try to shift blame to avoid paying.
What if my insurer underpaid rather than denied the claim?
Underpayment is just as serious as denial. Insurers are obligated to cover all damage listed under the policy. We can help determine whether you received a fair payout.
Can I sue my insurance company for bad faith?
Yes. If the insurer acted unfairly, failed to investigate, or intentionally denied your claim without valid reason, Mississippi law allows you to pursue a bad faith lawsuit for additional damages.
How long do I have to take legal action?
Mississippi generally allows up to 3 years to file a breach of contract claim against your insurer, but shorter timeframes may apply depending on your policy. It’s critical to act promptly.
What can I recover in a lawsuit?
You may be able to recover the full cost of repairs, replacement of personal property, additional living expenses, and in some cases, punitive damages and attorney fees.
Is there a fee to have Barrett Law review my denial?
No. We offer free consultations to help you determine whether your claim was wrongfully denied and whether legal action is in your best interest.
Can I still get help if I already started repairs?
Yes. Keeping receipts, invoices, and photos is important, but even if repairs are underway, we may still be able to recover compensation.
Will filing a lawsuit delay repairs or payment?
Legal action can take time, but in many cases, pressure from an attorney leads to quicker and larger settlements. Our goal is to resolve your matter as efficiently as possible.
Has Your Business Suffered Hurricane Damage in Mississippi?
Call Mississippi Residential Hurricane Damage Attorney Jonathan Barrett 24/7/365 at (601) 790-1505 for Your FREE Consultation
If your hurricane damage claim was denied, delayed, or underpaid, Barrett Law, PLLC can help. We represent Mississippi homeowners from the Mississippi Gulf Coast to Central and Northern Mississippi, including Jackson, Hattiesburg, Oxford, Tupelo, the Pine Belt, and beyond.
Don’t let an insurance company’s decision define your future. We fight for full and fair compensation—so you can rebuild and move forward. Call us anytime at (601) 790-1505 for a free consultation.

