Residential Property Damage Attorney Miami

• Hurricanes are among the most destructive natural events, often leaving Miami homeowners grappling with severe damage to their properties. Storms like Hurricane Helene have caused extensive destruction, leaving homes vulnerable to the powerful combination of wind, rain, and flooding. These forces can tear apart roofs, damage walls, and ruin interiors.
• Filing a hurricane damage claim can be a challenging process. Insurance companies may attempt to underpay claims or shift responsibility to avoid full payouts.
• At Tarnovsky-Lopez Law, we are committed to simplifying this process for Miami homeowners. Our team works to remove obstacles in your claim and ensures you receive the compensation needed to repair and restore your home.

Miami’s strong winds can harm roofs, windows, and fences. Wind can also cause hidden damage you might miss at first glance.
It’s not just fallen debris or missing shingles. Wind uplift can weaken your entire roofing system.
Homeowners insurance typically covers wind damage. But insurers may use vague terms to deny your claim.
We fight back to make sure your claim is paid fairly.

• Water damage is one of the most frequent challenges Miami homeowners face. Sudden events like burst pipes or accidental leaks can cause extensive harm to your property. While standard insurance policies often exclude flooding or sewage backups, many still cover unexpected, one-time water incidents.
• These claims can include compensation for damage to both your home and personal belongings.
• Tarnovsky-Lopez Law has a proven track record of assisting Miami homeowners with water damage claims. We are here to ensure your claim is handled correctly and that you receive fair compensation for your losses.

Hailstorms may seem rare in Miami, but they can happen. Any severe storm can produce hail, even in tropical areas.
Hail damage is often hard to see and costly to repair. Flat or low-sloped roofs with asphalt shingles are especially at risk.
Most insurance policies cover hail damage. Yet, insurers may argue the damage doesn’t qualify for a claim.
We help homeowners get fair payouts for underpaid or denied hail claims.

Fire and smoke can destroy homes and memories. Beyond property damage, personal belongings are often lost too.
This kind of loss can feel overwhelming. Navigating insurance claims in Miami adds even more stress.
We’re here to handle the process for you. Our team ensures you receive the full compensation needed to rebuild your life.

Insurers are supposed to act in good faith. Sometimes, they delay, underpay, or deny claims unfairly.
If this happens, we can hold them accountable. You deserve the full payout outlined in your policy.

Hidden leaks often cause damage behind walls and floors. These leaks can go unnoticed until mold or structural damage appears.
Insurance companies may resist paying for unseen damage. We help you prove your claim and secure proper compensation.

Mold thrives in Miami’s humid climate. It spreads quickly after water damage or leaks.
Mold damage can harm your health and your property. Insurers may argue mold is preventable and deny coverage.
We’ll fight to get you compensation for mold-related damage.

Property vandalism can include broken windows, graffiti, or damaged fixtures.
These incidents can disrupt your home or business. Most policies cover vandalism, but claims can still be undervalued.
We help ensure you get proper compensation to repair the damage.

• Hidden pipe leaks are a common issue that can lead to significant damage over time. Left unchecked, these leaks can result in mold growth or even compromise the structural integrity of your home.
• Insurance companies may argue that such leaks are due to wear and tear rather than sudden occurrences, making claims more complicated.
• At Tarnovsky-Lopez Law, we advocate for Miami homeowners by ensuring your pipe leak claims are treated fairly and appropriately, helping you secure the coverage you’re entitled to.

In Miami, you have three years to file a property claim. This includes hurricane, storm, or other weather-related damages. However, some policies set shorter deadlines. Acting quickly protects your rights. It also helps avoid denials based on timing issues.

Yes, you can negotiate with insurers yourself. But the process is tough. It’s often complex, especially after a natural disaster. Insurance companies may minimize payouts or deny valid claims. Working with a lawyer can change this. An experienced attorney improves your chance of success.

Bad faith happens when insurers underpay or deny claims unfairly. This includes misrepresenting terms or ignoring proper investigations. Some offer unreasonably low settlements. If this happens after storm or flood damage, consult us! You may be entitled to pursue extra damages. In that case, we will hold insurers accountable.

You can recover repair or replacement costs for damages. This includes hurricane, wind, or flood-related property issues. Additional living expenses may be covered if your home is unlivable. Personal property losses are also included. Even loss of home value can be compensated. Our attorneys fight for maximum recovery.

Lawsuits vary in length based on case complexity. Most cases take months, but some extend beyond a year. Large-scale hurricane damage may take longer. Detailed inspections and expert reports are often required. Disputes with insurers can further delay the process.

Public adjusters evaluate damage and negotiate for you. They’re useful for wind, flood, or hurricane-related claims. However, they cannot take legal action. Their role is limited compared to an attorney. For stronger legal options, consult a lawyer.