Property Damage Attorneys
Your homeowners insurance policy is designed to help you protect your home from the worst that can happen to it. You pay into it with the expectation that should your home be damaged, the insurance company will pay the money needed to repair your home and make it livable again. However, that doesn’t always happen. Property damage claims can be denied even if the claim is valid.
A denied homeowners insurance claim can feel incredibly frustrating. If you need support fighting for your rights, contact the homeowners insurance lawyers at Farah and Farah today. You shouldn’t have to settle for less than the full protection of your policy’s coverage. A skilled property damage attorney can even help you get the ball rolling on your homeowners insurance claim before it’s denied.
Contact Farah & Farah to receive a free, no-obligation consultation about your homeowners insurance claim. You won’t pay anything unless your case is successful.
Types of Property Damage Claims
There are a lot of different perils that can cause damage to your home. In fact, one out of every fifteen insured homes will have to file a homeowners insurance claim at some point.
The most common types of damage homeowners insurance claims are:
- Wind damage
- Water damage (internal and weather-related)
- Hail
- Theft
- Tornado Damage
- Hurricane Damage
- Fire Damage
- Business Interruption
If you have suffered through any of these perils, you should contact a property damage attorney right away.
Filing a Claim Against Homeowners Insurance
If you’re going to make a homeowners insurance claim, it’s important to do it properly. You don’t want to provide your insurance company with any excuse to deny your claim. You’ll also want to make sure that you have proof of the damage that occurred and, if possible, what caused that damage.
Document The Damage
One of the most important steps is to document the damage. Proper documentation will be crucial for filing your claim. Because the insurance company may try to claim that they aren’t on the hook for your damage, you will want clear evidence that establishes the cause. Use your cellphone to take pictures of the damage.
Hiring a professional to assess the damage is a good idea, too. A professional can document the scene and create an estimate that is informed by their expertise. They can also help you rule out insurance claim dead ends like cosmetic damage which aren’t usually covered.
Every homeowners insurance claim is different. For example, sometimes, it may make sense to contact the professional before you contact your insurance. Other times, it makes sense to have the inspections done at the same time. An independent expert can help narrow down causes and make sure that all the details are reported accurately.
Review Your Insurance Policy
Before doing the legwork of contacting your insurance company, make sure that you are familiar with exactly what types of property damage claims your insurance policy covers. Knowing about your policy and deductible will save you from unexpected bills later. Plus, your policy will outline exactly the steps you need to take to file a claim.
Notify Your Insurance Company
Notify your insurance company as soon as possible. Severe damage can lead to other types of damage. Usually, insurance only covers the initial breach. So if a tree falls on your house and cracks your roof, the insurance company may help pay for the repair. Still, they would not pay for water damage that occurred as a result of a subsequent thunderstorm. Repairing damage as soon as possible is vital.
Keep Maintenance Records
Keep detailed and thorough records for all maintenance done on your property. These records will come in handle if you have a deductible or if your insurance company is reimbursing you. Holding on to your maintenance records will also help prove your expense and what preventative measures you have taken.
Getting the insurance companies to do right by you requires having a plan. A skilled property damage attorney can help you cut through the red tape and get results. Contact the leading property damage lawyers at Farah & Farah now.
Property Damage Statute of Limitations
The statute of limitations is a legal term for a limited window of time for filing a claim. If your claim is not filed in this timeframe, then your options for seeking justice can become very limited.
Depending on where you live and the type of property damage, there are different considerations. For example, the property damage statute of limitations in Florida will differ from the rules in Georgia, and the specific details of your case will have a big impact on which limitations apply to your unique case. Working with a skilled property damage attorney can help you determine the applicable rules for your potential case. Don’t hesitate to contact Farah & Farah and find the best way forward in your fight for justice.
How are Homeowners Insurance Claims Paid?
Generally, once approved, your claim payment is delivered within ten business days VIA direct deposit, mobile e-payment, or paper check. Sometimes the check can get to you in as little as 24 hours.
It’s not unheard of for the claim check to be made out to someone other than you. For example, if you’re getting a roof, the check may be made out to a specific vendor. It’s not unusual for the check to be made out to:
- The property owner
- The contractor
- The co-op or condo management company
- The mortgage company
- Other entities named on the insurance policy
What if You Receive a Denied Homeowners Insurance Claim?
Sometimes the insurance company doesn’t want to live up to their end of the bargain. They are all too happy to pocket your cash and not award your damages. All is not lost in these situations.
Contacting a property damage attorney can help you fight for what’s right. They can guide you through the process of getting your claim approved. A property damage attorney will help you:
- Review your insurance policy and make sure you have an accurate understanding of your coverage
- Strategize your path to recovery
- Negotiate with your insurance provider
- Handle the rejected claim process, including the mountains of paperwork
If your homeowners insurance claim is denied, then call in backup. Our homeowners insurance lawyers have helped many people in your shoes get results. You deserve to fight for what’s right.
Contact A Property Damage Attorney Today
An experienced property damage lawyer can help you understand exactly what your homeowners insurance policy was supposed to cover and whether your insurance company denied your claim in bad faith. If your homeowners insurance claim was denied in bad faith, an attorney can help you fight the insurance company to get the money you deserve.
Farah & Farah’s team of highly skilled homeowners insurance lawyers has a lot of experience with insurance companies and can help you with your claim. Don’t wait to contact us for a free case review. You won’t have to pay a dime unless your case is successful.
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