Types of Property Damage Claims
For denied and undervalued claims, you likely filed a claim and the insurance company came back with a lower settlement offer than you thought, or maybe they even denied the claim altogether. Our team can represent you for free and take legal action against the insurance company to ensure you’re properly compensated for damages whether it be from a natural disaster such as a tropical storm causing water damage or structural damage from trees or sinkholes. We help business owners as well as home owners.
We'll Help from Start to Finish
It can be hard to think straight when you’re in a situation where your property has been damaged, but our experienced property damage attorneys are here to help you through the process. Below are preliminary steps to take. Here's what to do if a catastrophic event or freak accident has caused extensive damage:
- Document the damage: Take pictures and video
- Collect the other party’s contact and insurance information
- Contact our law firm. We’ll offer legal advice in understanding the next steps and figure out who’s liable for the damage
- Gather estimates for repairing or replacing your personal property
- Submit a claim to the insurance company or your assigned insurance agent
- Negotiate with the insurance adjustor
- Ensure your claim receives a fair settlement
Frequently Asked Questions
What if the damage was partially my fault?
If you’re partially at fault for the damage, it’s okay. You should still be eligible for compensation for the damage the other person caused. For example, let’s say you believe that you were 25% at fault for the accident while the other person is 75%. This percentage is negotiable with the insurance adjuster and our team provides professional counsel throughout the negotiation process.
Does my insurance pay for the damage? Or the other person’s insurance?
When the damage to your property is a result of another party’s negligence (read: carelessness), most often it’s the other party’s insurance company that pays for your damages.
What if the other person doesn’t have a good insurance plan?
In Pennsylvania, for auto accidents in particular, insurance companies offer what’s called Uninsured and Underinsured Motorist Coverage. This insurance will help to cover your expenses (medical bills, property damage, etc.) if the person who is at fault doesn’t have enough insurance to cover it.
Do I have to go to small claims court?
Typically property damage claims are settled between you and the insurance company outside of court through informal negotiations between you and the insurance adjustor. Small claims court, like the kind you see on TV, is most often for parties who don’t have adequate home and auto insurance.
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