A property insurance lawyer is a good resource for homeowners and property owners currently facing or anticipating property damage. Property insurance laws vary widely and can be complex, making it best to consult an experienced lawyer who knows the particular laws of your area. Property damage comes in many forms, ranging from natural disasters to vandalism or theft.
5 Most Common Types of Property Damage
Below are some of the most common types of property damage you might need help from a lawyer for.
Wind Damage
A little over half of all claims filed in the lower states are due to wind damage, which can be extremely costly. Wind damage comes in many forms, from broken windows to downed trees and other debris damaging a home or property. In some cases, an insurance company may deny coverage because of the state laws regarding wind damage. An experienced lawyer can help determine if your situation qualifies for coverage and how to proceed with filing a claim, appealing denials, or negotiating with the insurance company.
Fire Damage
Fire damage is another common type of property damage, occurring due to lightning strikes, faulty electrical wiring, or even arson. Fire damage can range from minor smoke and water damage to complete destruction of a home or building. If you have suffered fire damage, an experienced lawyer can help you assess the extent of the damage and determine if you should be filing a claim or negotiating with the insurance company.
Vandalism/Theft Damage
Vandalism and theft damage can be devastating, both emotionally and financially. While only 0.6% of all claims are for property theft, the cost of even a small theft can be significant. An experienced lawyer can help you determine the best way to proceed with filing a claim and if it is appropriate to pursue criminal charges for vandalism or theft.
If a property has been vandalized or stolen from, an experienced lawyer can help assess the damage and negotiate with the insurance company for coverage of the losses. In some cases, a lawyer can even help to recoup lost items or money if the criminal is caught and convicted.
Earthquake Damage
Certain states are more susceptible to earthquake damage than others, but if you live in an area where earthquakes are common, you may want to consider adding additional insurance coverage. Earthquakes can cause property damage ranging from minor cracks in walls or foundation to total destruction of a home or building. An experienced lawyer can help determine the best way to proceed with filing a claim and if additional coverage is necessary.
For instance, while some states have comprehensive coverage for earthquakes, other states may only provide limited coverage. An experienced lawyer can help to determine the best course of action in your particular situation if you have been affected by an earthquake.
Regardless of what type of property damage you are dealing with, an experienced lawyer is a great resource for assessing the damage and navigating the insurance company.
Bodily Injury
Finally, although it is not a form of property damage, bodily injury can be covered by many insurance policies. If you or someone on your property has been injured, an experienced lawyer can help to determine the best way to proceed with filing a claim and negotiating with the insurance company for coverage. A lawyer can also provide advice on additional legal action that may need to be taken if the injured party has suffered financial losses due to the injury.
Overall, property damage can be devastating and understanding the types of coverage is important when filing a claim. An experienced lawyer can help assess your particular situation for different types of property damage and advise on the best way to proceed with filing a claim or negotiating with an insurance company.
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