How to Reopen a Property Damage Claim

One of the most common, devastating, and unpredictable types of claims facing policyholders is hurricanes. A number of different types of events that cause damage to your home or business combine into one event. The strong winds, rain, storm surge, and flooding can all cause damage to your residential or commercial property.

Because many factors in a hurricane can be the basis for your property insurance claim complications can arise. Typically your claim will involve multiple policies including standard homeowners and flood insurance. During this process, complications can arise when one insurance company attempts to shift responsibility to the other

Winds can cause severe damage to your property. Wind damage can also bring hidden damages that aren’t realized upon the initial assessment of your property. While most think windstorm claims involve flying debris, trees, and fences falling down, and broken or missing shingles or tiles they can also cause uplift damage that unknowingly compromises your roofing system.

Wind damage is typically covered in most homeowners insurance policies, however, the insurance company can use ambiguous terms in their favor that may cause your claim to be denied.

One of the most common types of property insurance claims is for water damage. Most homeowners insurance policies do not cover certain water damage events. This could include flooding or sewage backup. However, there is still coverage for other water-related claims like a burst pipe or a one-time sudden accidental discharge. These water damage insurance claims typically involve both dwelling and personal property coverage.

We here at Tarnovsky Law have represented several policyholders with water damage insurance claims for both home and business owners.

While many people believe hail is a rare weather event hail is actually possible within two nautical miles of the parent storm in any thunderstorm, This means hail can occur practically anywhere.

Additionally, hail damage is hard to notice and can be quite expensive to fix. Areas that are prone to severe weather and that have a flat or low-slopped roof with asphalt shingles are high-risk. However, most homeowners insurance policies cover damage from hail.

Insurers often try to argue the damage suffered from a hail storm does not fit the conditions necessary for a claim. However, we here at Tarnovsky Law have helped several homes or business property owners with their wrongfully underpaid or denied property insurance claims.

Fire and smoke damage are indeed some of the most serious and devastating property insurance claims. In addition to the property itself being damaged, there are precious memories and personal belongings that are also lost.

These losses can leave you feeling overwhelmed and unsure of where to turn.

Although fire and smoke damage can result in substantial losses, Tarnovsky Law can be your advocate during this challenging time. They can help you deal with the complexities of the insurance claim process in Florida, helping you receive the compensation you need to rebuild your life.

Hidden leaks can do a lot of damage to your property, causing significant structural damage, mold growth, and financial loss. These hidden issues often remain undetected until extensive damage occurs. A personal property damage lawyer can help you handle the complexities of insurance claims, property valuations, and legal disputes arising from hidden leaks. By understanding your rights and protecting your interests, they can mitigate losses and secure fair compensation.

Mold has the potential to silently invade homes and businesses, posing serious health risks to residents. From respiratory problems to allergies, mold exposure can be extremely distressing. Additionally, mold can cause extensive property damage, leading to costly repairs. In Florida, Tarnovsky Law can help in these cases and understand insurance coverage. It can also assist in negotiate with insurance companies, and recovering damages for health issues and property restoration.

Vandalism can damage property, both emotionally and financially. From defacement to property destruction, the consequences can be overwhelming. At Tarnovsky Law, a Residential Property Damage Lawyer can help you resolve the legal complexities of vandalism, including insurance claims, property restoration, and potential legal action against the offenders.

Pipe leaks can silently damage your home, leading to structural issues, mold growth, and financial loss. A Residential Property Damage Lawyer in Boca Raton, Florida can assist with filing insurance claims, negotiating with insurance companies, and recovering costs for property repairs and restoration. In addition, they can assist you with disputes with contractors or plumbers.

The timeframe varies by state and insurance policy, but it’s crucial to act promptly.

While possible, it’s often advisable to have legal representation to protect your rights and maximize your claim.

It’s when an insurance company intentionally denies or delays a legitimate claim. A property damage lawyer in Florida can help you identify and address bad faith behavior.  

Potential damages include repair costs, replacement costs, loss of use, and additional living expenses.

The duration varies depending on the case’s complexity and factors like discovery and trial.

A public adjuster is a licensed professional who represents policyholders in insurance claims. While helpful, they are different from property damage lawyers.