Property Damage Claims
Property damage claims
By paying our insurance company for property protection, we expect that if damages occur, these same insurance companies will diligently compensate us (the insured) for the damages covered by the policy.
However, more often than not, homeowners find themselves fighting with their insurance companies when filing a property damage claim under their homeowners insurance policies.
At the Law Offices of Jose R. Fernandez, PA, we are not only able and willing to handle your case, but we are also able and willing to we are familiar with the process of filing a property damage claim and are prepared to aggressively litigate it, if necessary.
Property claims can generally be classified into one of the following two types:
- First-Party: an insurance claim made by the owner of the property to the insurer of the same property, in connection with damage that has occurred to the property.
- Third-Party: a claim involving a liability issue in which a property owner is being sued by a third party or is suing a third party for damages taking place on property not owned by the owner.
Insurance companies spend millions of dollars fighting with policyholders every day to avoid paying claims for damaged property. Whether it is simply reducing the amount owed or denying a claim altogether, an insurance company will try to avoid full compensation as much as possible.
The insurance company may assess that the damage to your property is pre-existing or is not covered by the specific terms of the residential property policy written by the insurer.
The insurance company may also deny the property claim outright, leaving the homeowner with no means or money to repair the damaged property and no remedy.
For these reasons, it is imperative to have an experienced attorney fight for your full compensation and recovery so that you can repair or replace any damaged property.
