At GED Lawyers, we understand how difficult it can be to deal with a property damage claim. Therefore, it’s best to get in touch with our Naples property damage lawyer to start filing your claim immediately. We will put together evidence, get the advice of experts, and take care of all the legalities of your claim.
What Are the Different Types of Property Damage?
There are a few different types of property damage that could occur to your residential or commercial property. Some of the most common types of damages include:
- Flood damage
- Damage from hurricanes or other natural disasters
- Roof damage
- Fire and smoke damage
- Water damage
- Wind damage
Now that we know what types of property damage are most common in Florida, let’s check out some of these in more detail below.
Flood Damage
When you take out a homeowners or renter’s insurance policy, flooding is not covered. This can come as a shock to many homeowners, as flooding is common in a state like Florida. To cover those who experience flood damage, the Federal Emergency Management Agency (FEMA) provides homeowners with the flood insurance they need in case of disaster.
Prior to taking out a mortgage or renting a home, you might have to purchase flood insurance. If you experience damage as a result of flooding, you would have to file a claim with your insurance company. Believe it or not, although FEMA does provide you with flood insurance, it’s not uncommon for them to deny claims.
If you make a claim for flood damage and it’s denied, you’ll have to appeal your denial through FEMA. If your claim is denied, you only have one year to file suit against FEMA.
This is where your Naples property damage lawyer comes in, as we will fight for the compensation you deserve. We understand it can be difficult to fight FEMA on your own, which is why GED Lawyers is here to help.
Hurricane and Storm Damage
Many live in Florida for the beautiful warm and sunny weather. However, this nice weather can turn destructive in an instant. When a storm is approaching, it’s difficult to pinpoint exactly how it will impact a certain area. The damage in the wake of a storm can be expensive and time-consuming to repair for the property owner.
In some more serious cases, you could lose your entire residential or commercial property to the storm. Some of the most common types of damage caused by natural disasters include:
- Damage to the interior of your property
- Broken windows
- Roof damage
- Water damage
- Damage to the structure of the property
- Damage to vehicles like cars and boats
- Fire damage
- Loss of personal items
Damage from a hurricane or other natural disaster can be devastating to the property owner. At GED Lawyers, we understand this is a difficult time, which is why we don’t charge a penny unless we win your case. We’ll help you build your claim and file for compensation.
Roof Damage
Because hurricanes and other storms are so prevalent in Florida, it’s common for roofs to suffer damage on your property. The roof is a critical element to your home or business, and is also one of the most exposed parts of the structure, making it an easy target for strong winds.
Roof damage is extremely expensive to repair, and could result in thousands of dollars in damage, depending on the severity. Furthermore, if the roof is damaged, the inside of the structure could suffer additional damages if not fixed immediately.
Luckily, roof damage is covered by your homeowners insurance policy. Therefore, you could receive compensation for the damage and repairs needed. However, it’s still recommended to hire a Naples property damage lawyer, as there are sometimes certain exclusions in your insurance. This could lead to a lack of funds awarded and a dispute filed with your insurance company. Your lawyer will have the experience needed to go up against the insurance commpany and get you the compensation you deserve.
Fire Damage
Fire damage can be one of the most devastating types of damage a property can sustain. It could completely destroy your home or business and cause emotional and financial strain. If your property experiences a fire, the first thing you should do is file a claim with the insurance company.
There are a few common causes of fires in residential properties. Some of these include the following:
- Cooking
- Heating
- Electrical
- Smoking
- Arson
Although these are the most common, fires could also be caused by storms and downed electrical wires.
Water Damage
When living in Florida, water damage is almost inevitable. This is one of the most common types of claims processed in Florida, and it’s likely your policy will cover the cost of repair and restoration. To receive proper compensation for your losses, it’s critical to have good documentation of the water damage.
Wind Damage
High winds are common throughout Florida, especially during hurricanes or other natural disasters. Wind damage could include damage to the roof, siding, or trees surrounding your property.
Wind damage is included in insurance coverage for residential properties, so the first thing you should do is file a claim with your insurer. In some cases, however, your property might not have full coverage for wind damage. Therefore, it’s critical to know exactly what’s included in your policy to avoid any surprises down the road.
If your property experiences wind damage, it helps to get in touch with our firm so you can learn more about your options.
Contact GED Lawyers Today for Legal Help in Naples
At GED Lawyers, we understand how frustrating it can be to experience any type of property damage, whether commercial or residential. Therefore, your Naples property damage attorney is here for you every step of the way to make sure you receive fair compensation.
We believe everyone deserves legal representation. Therefore, we don’t charge anything unless we provide you with a significant settlement, and our fees will come from there, not your bank account. Call for a free consultation today and learn your options after suffering property damage in Collier County.
