Property damage can happen at any time. Your residential or commercial property could incur damage caused by a burglary, weather, or some kind of accident. When you notice the property damage, you should contact your insurance company immediately and inform them of the damage by filing a claim.
The insurance company may ask you to take photographs of the damage. Either that or they’ll send their own claims adjuster to take photographs of the damage themselves. Whatever they decide, you should always take your own photographs of the damage in case their claims adjuster is not honest. It is better to have your own evidence to present in case your claim is denied.
Insurance policies may cover several different types of property damage. You should learn what they are before signing any insurance policy agreement. The most common damages covered include:
- Fire Damage
- Water Damage
- Hurricane Damage
- Burglary / Theft Damage
- Hail Damage
- Wind Damage
- Mold Damage
- Roof Damage
- Flood Damage
- Business Income Loss
Do not assume your insurance policy covers everything listed here. You need to review your insurance policy to determine what type of damage is covered. You don’t necessarily need to have coverage for everything because that’ll raise your monthly premium cost. Instead, choose the coverage that is most likely to occur.
Property damage claims are usually quite costly to insurance companies. Most people may not file a claim if they have a broken window or missing shingle on their roof. On the other hand, they will definitely file a claim if hurricane-force winds blow off their roof or an accidental fire burns their interior drywall and ceiling.
Any amount of property damage worth more than $500 should result in a claim. Even if you have a high deductible, it is still important for your insurance company to learn about property damages after they occur. If you fail to tell them about an incident that resulted in damage, they may deny any future claims if they discover older damage that went unreported.
Was Your Property Damage Claim Denied?
Did your insurance company deny your property damage claim? Let’s discuss some of the likely reasons for your denied property claim
- Your deductible surpasses the value of the damage.
- The damage was caused by you or someone who lives or works on your property.
- The type of damage inflicted upon your property is not covered under your insurance policy.
- There is suspicious activity associated with the claim that appears to be fraud.
- You were late paying your monthly premiums.
- You took a long time to file your claim.
- You did not give the insurance company enough information.
- There are no signs of damage.
If one of these reasons proves to be valid, do not give up on fighting for a reversal of your denied claim. There may be some mitigating factors that could entitle you to a certain level of compensation for the damage. All you need to do is have a professional and fully qualified attorney to represent you in the matter.
Contact a Denied Property Claim Lawyers
The Louis Law Group has some of the greatest denied property claim lawyers
in the business. We have represented hundreds of clients over the years in getting a reversal on their insurance claim denials. If we find that you have a good case for a reversal, then we’ll be happy to take on your case and fight for the compensation that you deserve for your property damage.
Our investigations include home inspections and reviewing any existing police reports and other important documents related to the incident. Make sure you don’t repair the damage until after all the investigations have been completed. That way, all the necessary stakeholders can photograph and analyze the damages firsthand.
Once the investigations are completed, we’re confident that your property damage claim will be reversed. It won’t take too much longer for your compensatory check to arrive in the mail. Then you can use the money to pay for repairs and get the damaged areas taken care of by a professional contractor or handyperson.