If your home or business suffered property damage during a fire, windstorm, or another covered event, your insurance carrier should pay for repairs and other costs. However, navigating this process and getting the money you need and deserve is not always easy. Our Margate, FL, lawyers are here to help.
Our team of Margate personal injury lawyer handles these claims and challenges denials regularly. We know how the insurance carriers work and why they make the decisions they do. If you need help with your case, we are here for you. Contact us now for a free case review.
Let Our Margate Property Damage Attorney Handle Your Claim for Covered Damages
Our Margate, FL, property damage lawyers know how to read policies and review your coverage, limits, exclusions, and other details. We can assess your policy to ensure your damage occurred from a covered event and file a claim based on it. Even if you have already begun this process, we can step in and manage your communication with the insurance carrier, including negotiations for a fair settlement.
Your rights as a homeowner include recovering the money promised by your insurance company after a covered property damage incident. Our law firm can protect your rights and review your insurance policy to make sure you seek fair compensation. We also represent commercial property and business owners following a covered property damage incident. Our legal team can guide you through the claims process so that you can focus on getting up and running again.
The standard coverage generally provided by property damage insurance could vary depending on your policy type. For instance, some homeowner’s insurance policies may not cover water damage in certain events. When we take on your property damage case in Margate, we can handle communications with the insurance adjusters for you.
Homeowners’ Insurance
Standard homeowners’ policies should pay for several things following a covered event:
- Repairs and Remediation: Your homeowners’ insurance policy should cover the cost of restoring and repairing your home. When damage is too extensive, it should cover demolition and rebuilding up to policy maximums.
- Replacement of Damaged Items: Your insurance should cover repairing or replacing your belongings. This could include appliances, electronics, furniture, and more. You will need to submit a catalog of the damaged items to receive this payout.
- Temporary Relocation Expenses: Sometimes, homes suffer extensive damage, and you must live elsewhere while repairs are made. Your insurance should cover your hotel, transportation expenses, food costs, and other out-of-pocket costs.
Business Coverage
When you file a claim based on property damage at your business, many of the same coverages apply. The insurance carrier should pay for repairs and replacement of your damaged belongings. In a business, this often includes things such as your point-of-sale system, inventory, and other necessary items to run your company.
With these losses and the possible need to relocate either temporarily or permanently, you could suffer a significant decrease in revenue. Your insurance could include coverage for both your relocation expenses and your lost business income.
Renters’ Insurance
Renters’ insurance generally covers the repair or replacement of damaged personal items. This could include electronics, clothing, and furniture. It does not include most appliances or building repairs. This should be covered by the property damage insurance carried by the property owner.
Your renters’ insurance policy may also cover relocation expenses. This could help you pay for a hotel, food, and other out-of-pocket costs related to not being able to stay in your home due to the covered event.
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Our Margate Property Damage Attorneys Charge No Upfront Fees
At Ged Lawyers, our Margate property damage attorneys handle cases stemming from a wide range of issues. This includes natural disasters, fires, and other incidents. The typical exclusions from most policies focus on flooding, sinkholes, and landslides. Your policy could have other exclusions.
Most standard coverage provides payouts for damage events that include:
- Fire, lightning, and water and smoke damage
- Wind damage, such as broken windows or a damaged roof
- Damage from fallen trees
- Hurricane and tornado damage
- Defective design and construction
Not only do our lawyers know how to navigate the claims process and recover the compensation our clients deserve based on their policy, but we do so with no upfront fees. Our property damage attorneys in Margate work based on contingency. We only get paid when we secure a payout for you.
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Our Property Damage Lawyers Fight for Fair Compensation After a Margate Disaster
When you ensure a covered event that left your home or business with significant damage, the last thing you can focus on is dealing with an insurance company that does not want to pay you what you deserve. These cases are notorious for the hurdles that often occur, such as:
- Claiming the policy does not cover the damage
- Unreasonable delays in processing these claims
- Asking policyholders to document their losses in impossible ways
- Refusing to pay a fair settlement despite documentation of expenses and losses
Our property damage attorneys can handle your claim from the start or step in when something goes wrong. Contact us today to discuss your options for free.
You can count on our team to assess your coverage and explain your:
- Covered losses
- Deductibles
- Policy limits
- Exclusions
- Responsibilities
We will answer your questions and determine your next steps. Generally, we can begin documenting your covered expenses and losses right away, including guiding you through getting estimates for repair costs and valuing your belongings for replacement.
Throughout this process, we manage all communication with the property damage insurance carrier. We file all the necessary paperwork and handle negotiations for a fair settlement. If the insurance company refuses to cooperate or makes this process more difficult than necessary, our attorneys will not hesitate to sue.
While rare, we may take the insurance company to trial for their failure to uphold their policy coverages promised to you. This could result in the court awarding you compensation for your covered losses. Alternatively, we can represent clients in arbitration or mediation.
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Discuss Your Margate Property Damage Claim With Our Legal Team for Free
Ged Lawyers provides free consultations for Margate, FL, property owners who need help navigating a property damage claim. We are here to help you secure the money you need and deserve based on your coverage. Contact us via phone or using our online contact form to get started today.
