Property Damage Attorney in Miami
A property damage case in Florida can include several different types of property claims, including damage to a home after a storm or damage to a vehicle following an automobile accident. In many instances, an insurance policy is the best means of making someone whole following any damage. However, attempting to seek compensation from an insurance company can be difficult and time-consuming. Under these circumstances, a property damage attorney may be able to assist in seeking the compensation you deserve.
Types of Property Damage
Florida is prone to severe storms that can cause billions of dollars in damage. When Hurricane Andrew struck in 1992, it destroyed over 25,000 homes and damaged an additional 100,000 buildings, causing an estimated $25 billion in costs. When unpredictable weather finds its way onto land, both commercial and private real estate is especially prone to destruction. Harsh weather can create several different types of property damage. Some sources of this damage might include:
- Strong winds
- Tidal flooding
- Hurricane damage
- Hail damage
- Flood Damage
Many times, a homeowner’s insurance policy would compensate for damages caused by severe weather. However, it is not uncommon to find an insurance company that refuses to reimburse a homeowner, either by claiming that the cause of the damage was not protected under the policy, or the amount of reimbursement is inadequate to make the homeowner whole again. A Miami property claim lawyer has the expertise needed to work with an insurance carrier to ensure that compensation is fair and adequate.
A property damage attorney can also handle all types of claims such as:
- Wind Claims
- Thunderstorms and Storm Claims
- Hurricane damage
- Hail damage
- Fire damage
- Pipe Claims
- Cast Iron Claims
- Theft Claims
- Loss of Business Income
- Roof Claims
- Water Damage
- Flood Damage
Dealing with Insurance Companies in Miami
After your property is damaged, it is important to let the proper insurance carrier know of the damage. When the damage occurred to your own home, a claim would be filed with your own insurance carrier, and if the damage was done while on the property of someone else, you would need to contact the property owner’s insurance carrier to file a claim.
Insurance claims for property damage would begin with a phone call to the insurance carrier. The insurance carrier would require:
- The date the property damage occurred
- The extent of the property damage
- Any witnesses to the damage
After the initial phone call, a claim number is typically given and an insurance adjuster schedules a time to see the property. Not all insurance carriers require the property owner to be present during the inspection, however when there is damage inside the property, or it is difficult to determine the extent of the damage, it is always a good idea to be present when the property is being inspected.
After an initial inspection of the property, the insurance company will decide to either pay for the damage that occurred or deny liability for the damages. An insurance company will typically deny coverage on the basis that the damage was caused by a condition not covered under the policy. It is essential that when speaking with the insurance company, or personal property damage lawyer, that you have a complete copy of your insurance policy.
Even in cases when an insurance carrier is willing to accept liability for property damage, there will usually be a disagreement on the value of the assessed damage. It is always recommended to have a local contractor or expert provide an estimated cost of repair after the damage has occurred so a comparison can be made with the insurance carrier’s estimate. Even if both estimates are close, a Miami property damage attorney has the experience needed to help ensure that the insurance company uses recognized techniques for value assessment.
Most importantly, a property damage lawyer can provide the necessary expertise and experts to help you through the process and help you get your damage estimated for free. The last thing you want to worry about after a loss is how you are going to pay for your estimate, general contractor or lawyer. A typical fee arrangement with a property damage lawyer such as Schlacter Law is a contingency fee arrangement. Unlike public adjusters and contractors, attorneys can get their fees paid by the insurance companies if they win. That way, the attorney gets paid separately and it does not cut into your benefits.
How We Handle Cases
- Your attorney will aggressively investigate your case. Schlacter Law will compile all necessary evidence needed to maximize the value of your case. Which includes but is not limited to photographs, police reports, security camera footage, witness statements, medical bills and medical records.
- You will remain in constant contact with Schlacter Law about the progression of your case.
- Your attorney will present your case to the insurance company and will attempt to resolve your case before the case goes to court for maximum compensation.
- Your attorney will make every effort possible to resolve the case as quickly as possible for the most amount of money you may be entitled to. You will be actively involved in the negotiation process with your attorney. Schlacter Law understands that this is your one opportunity to get justice for your loss.
- If settlement negotiations are unsuccessful, Schlacter Law will be fully prepared to bring your case to court to fight for the justice you deserve.
- At no cost to you, Schlacter Law will hire any experts and professionals needed to maximize your recovery and present your case in the strongest form possible.
Frequently Asked Questions
Unlike public adjusters and contractors, attorneys can get their fees paid for by the insurance companies if they win and it does not cut into your benefits.
If negotiations fail, a public adjuster would need the assistance of an attorney anyway. Using one at the onset can save time and reduce overall attorney’s fees.
While there are many competent public adjusters in Miami, having an attorney by your side generally is your best bet. At all times the insurance companies have dozens of lawyers ready to defend claims. Having a lawyer at the outset puts you in a much better position to negotiate, leverage a settlement or litigate a case if necessary. Also, it is generally less expensive to hire a lawyer instead of a public adjuster.