PROPERTY DAMAGE

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Property Damage

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Accidents happen every day. If you’ve experienced property damage and your insurance settlement is denied or underpaid, a personal injury lawsuit can help you recoup the cost of damages. Filing a personal injury lawsuit is best when done by an experienced Texas insurance litigation lawyer like the ones you’ll find at the Law Offices of Colby Lewis. To give you an overview of property damage in Texas and what you can do about it, follow along as we take a deep dive into how Texas handles this type of personal injury claim.

Property Damage Insurance Overview

 

Policyholders purchase property damage insurance to guard against unforeseeable events such as, but not limited to:

  • Severe weather
  • Fires
  • Car accidents
  • Other catastrophic events

When the unexpected occurs, most people assume that their insurance policy will cover the damage. By paying periodic sums, the insurance is supposed to act as a safety net when bad things happen to your property. However, as you’ll see below, the insurance company doesn’t always hold up their end of the insurer-insured relationship.

Why Filing a Personal Injury Claim May Be Necessary

 

When you experience property damage, normally you would go through the insurance company for compensation. However, the insurance company doesn’t work for you – their objective is to give you as little money as possible. Sometimes, the settlement they offer is less than what you need to make repairs. Worse, there are cases where an insurance claim is unjustly denied and no compensation is given. When either of those situations occurs, a personal injury attorney can help you file a personal injury case to get a fair settlement that is comparable to the damage your property has suffered. A knowledgeable flood lawyer in Texas can help you maximize your payout by proving that your claim is valid and worth a certain amount.

When the Insurance Company Denies or Underpays Your Claim

 

Insurance companies know what tactics to use to avoid paying out fair compensation for property damage. Reasons an insurance company may underpay or deny an insurance claim include, but are not limited to, the following stated reasons:

  • Your property damage is due to normal wear and tear
  • Inadequate maintenance was at fault for your damages
  • Lack of coverage
  • Failure to fulfill a condition of coverage
  • Falsified insurance application
  • No reason
  • Too many claims at once
  • Other reasons
Once denied or underpaid, it can be difficult or impossible to obtain fair compensation without a personal injury claim. Regardless of why your claim was denied or underpaid, a competent hurricane claims lawyer can help you get the compensation you deserve.

Steps to Take if You’ve Experienced Property Damage

 

There are certain steps you can take to strengthen your property damage claim. These include:

  • Ensuring that your property is properly maintained
  • Taking photographs and video of the damage
  • Reporting the damage to your insurance company, or the at-fault party’s insurance company, immediately

Likewise, there are steps you shouldn’t take because they can weaken your property damage claim. Examples include:

  • Waiting to report damage to the proper insurance company
  • Posting on social media about your property damage
  • Allowing insurance adjusters to record you
    It’s also imperative that you file your insurance claim within the time limit outlined in the policy. Failure to do so may lead to denial of your claim and bar you from receiving compensation.

    How Fault is Determined

     

    In cases that involve car accidents or incidents where another party is at fault, an insurance adjuster is charged with assigning fault. The insurance claim adjuster’s evaluation is absolute as far as your chances of recovery. If an adjuster unjustly assigns fault to you, there is little you can do about it on your own. An experienced property damage lawyer, however, can guide you on how to file a personal injury claim to recover compensation.

    Common homeowner’s insurance coverage

    Most policies have the same coverage areas:

    • Your home structure
    • Your personal belongings
    • Liability protections
    • Living expenses in the case of relocation

    Home Structure

     

    When property is damaged by a natural disaster, for instance, your policy will likely cover rebuilding or making repairs to the property. However, the compensation you are eligible to receive is capped at your coverage limit. Also, standard policies don’t include protection from earthquakes, floods or regular wear and tear. Additional insurance policies may be necessary to protect from these occurrences.

    Personal Belongings

     

    Generally, your personal belongings are protected against theft and disasters. Items that are considered personal belongings include everything from your TV and clothes to shrubs and trees. Some policies even cover for riots, vandalism and explosions. Being knowledgeable about your insurance coverage and limits will help you best assess what your damages may be. To get the most accurate assessment of what your damage is worth, consult with a Texas storm damage insurance claim lawyer.

    Liability Protection

     

    This type of coverage helps to shield you from being held liable if someone is injured on your property or they cause damage to your belongings. It covers both a payout to the victim and court costs. However, this coverage doesn’t extend to family members who are on the same policy as you.

    Living Expenses if You Must Relocate

     

    Additional expenses are also an issue. For example, the damage to your home may be such that you are forced to stay in a hotel for a lengthy amount of time. Your hotel bill, restaurant receipts and other costs associated with not living in your home may be covered by your policy. Again, these are capped at your policy’s limit on such expenses.

    Regardless of what type of coverage you need, our attorneys can help.

    Colby Lewis Will Help You Recover for Property Damage in Texas

     

    At the Law Offices of Colby Lewis, we understand that catastrophic events can disrupt your life and destroy your most important possessions. To that end, we pledge to zealously pursue compensation on your behalf both within insurance policy limits and in personal injury lawsuits. If your residential or commercial property has been damaged by circumstances beyond your control, you deserve compensation. Contact the experienced legal team at the Law Offices of Colby Lewis today for all your personal injury and property damage needs.