When you purchased homeowners’ or commercial property insurance, you expected it to protect you when you needed it most. If your property was damaged and you are struggling to get the compensation you need in Lynn Haven, our property damage lawyers can help. We will examine your policy, document your damage, and deal with the insurance company for you.
You do not have to fight for coverage on your own or settle for less compensation than you deserve. Our Lynn Haven personal injury lawyer will fight for maximum coverage from your insurance policy or file an appeal if your initial claim was denied. At Ged Lawyers, we provide exceptional legal service and support that gets results. Contact our consultation team to get started today.
A Lynn Haven Property Damage Attorney Will Explain Your Insurance Coverage
Every business and residential property insurance policy is different since each can have its own monetary value and coverage options. The best way to understand exactly what your policy considers covered damages is to let our property damage attorney serving Lynn Haven review it.
Covered losses for property damage can include:
- Repairing or replacing the primary dwelling (for residential property)
- Repairing or replacing the primary structure (for commercial property)
- Repairing or replacing other structures (sheds, garages, or business storage units)
- Personal property or business inventory repair or replacement
- Temporary cleanup or boarding costs to prevent further damage
Residential property owners could be entitled to relocation expenses when your home is uninhabitable due to the damage. Similarly, commercial property owners could be entitled to business interruption coverage.
Create a Complete List of Your Residential and Commercial Property Damage
Our examination of your insurance policy will include identifying what it deems covered losses. According to Florida Office of Insurance Regulation (FLOIR) guidelines, homeowners’ insurance coverage typically covers:
- Primary structure
- Other structures
- Personal property
- Loss of use
We also identify any named exclusions in your policy. If you have a separate policy for flood damage and it applies to your claim, we will examine its coverage as well.
How to Document Covered Losses in Your Property Damage Claim
Insurance companies usually require a Proof of Loss form. With our guidance and support, you can submit this form alongside supporting evidence, including:
- Pre-damage photos, if available
- Photos and video of the damage
- Witness statements and observations
- Detailed lists of personal property
- Records, receipts, and invoices
We will not leave you to handle this detailed form—or any part of your claim—alone. To ensure your claim is accurate and complete, your Proof of Loss form must also include the date your losses occurred and their cause.
Know Your Property Damage Claim Filing Deadlines to Avoid Costly Delays in Florida
An important part of obtaining compensation from your insurance company is knowing how much time you have to file a claim for damaged property. In general, you have one year to file a property damage claim, according to Florida Statutes § 627.70132.
Various factors can affect the filing deadline, so the best way to understand how it applies to your claim is to let our law firm handle it for you.
Our property damage lawyer serving Lynn Haven can help you avoid the costly consequences of filing your claim too late. Contact our consultation team at Ged Lawyers to get started right away.
Common Types of Insurance Claims for Damaged Property in Florida
Insurance companies can become inundated with claims in the wake of a natural or weather-related disaster. Other times, a single property owner can have a legitimate claim. Among the commonly reported claims made by Florida homeowners are:
- Wind damage
- Hurricane damage
- Water damage
- Flood damage
- Hail damage
- Tornado damage
- Fire damage
- Sinkhole damage
- Mold damage
Business owners face a different set of typical claims. The most common commercial property damage claims include:
- Burglary and theft
- Storm damage
- Fire damage
- Window damage
- Roof damage
Storms are the most common cause of roof damage, as strong winds and downpouring rain occur often. Regardless of the number of claims they are handling when you make yours, the insurance company is obligated to handle your claim promptly and fairly. If they do not, our law firm will not hesitate to take them on.
We Accept Your Property Damage Case with No Out-of-Pocket Expense to You
At Ged Lawyers, we do not ask for a retainer or charge hefty hourly fees to handle your claim. Instead, we are only compensated when you are. Without requesting upfront compensation, we will:
- Examine your policy in detail
- Document your covered losses
- Communicate on your behalf
- Protect you from acts of bad faith
- Negotiate a favorable settlement
- File an appeal, if applicable
As your case develops and the negotiation process continues, we also provide regular progress reports to keep you updated and informed.
Learn More About Our Compassionate, Responsive Support for Property Owners
It can be hard to take on a huge insurance company on your own. When our law firm represents you, we handle all the hard work and paperwork for you. One previous client says:
- Alan Lovgren: I was struggling trying to deal with our insurance company to obtain proper reimbursement … after Hurricane Ian. I felt defeated! I hired Ged Lawyers to take over the claim … My wife and I are both relieved having the weight of this lifted off our shoulders.
When we say we will not stop fighting for you, we mean it. Hear from other satisfied clients in their own words by browsing our testimonials page for additional reviews.
Let Our Lynn Haven Property Damage Lawyer Fight for the Compensation You Deserve
If you believe your insurance company is not treating you fairly, or you simply want guidance as you apply for compensation, let Ged Lawyers advocate for you. Our Lynn Haven property damage lawyer will deal with all the moving parts of your claim.
Leave the insurance process to us while you focus on your business or family. Find out how hard we fight for your financial recovery by contacting our consultation team today.
