Property damage occurs when your property is destroyed or damaged. The property loses some of its monetary value and/or functionality due to the injury it sustains. If someone else damages your property, you shouldn’t have to pay for their negligent or reckless actions. The things that you own have value. As a result, if someone causes property damage, you have legal rights. You may be able to obtain compensation from an individual or company that intentionally or negligently causes your property to be damaged or destroyed.
Unfortunately, if you’re the victim of property damage, you may soon find out that your insurance company is not actually on your side, no matter what their commercials may say. Ultimately, your insurance company’s loyalties lie with shareholders and company profits. From their point of view, the less they pay out for your claim, the better it is for their balance sheet.
When you work with Amini Law APC, an experienced property damage lawyer is in your corner looking out for your best interests at all times. You don’t have to worry about dealing with your insurance company because we deal with them for you – and their intimidation tactics don’t work on us. We make sure you get the full amount you deserve for your claim.
What Types of Property Can Be Damaged?
Any type of property could sustain damage. However, the property can be broadly divided into two different categories:
Real property: Real property refers to land and anything that is permanently attached to the land. For example, the lot your home is built on, the house sitting on your land, your in-ground swimming pool, and the trees on your land are all considered real property.
Personal property: Personal property refers to all other property. Essentially, anything that you take with you when you move homes would be considered personal property. This includes your clothing, jewelry, vehicles, and electronic devices. Personal property is also called chattel.
Both real and personal property could potentially sustain property damage either due to natural causes such as an earthquake or due to the actions of people or companies.
Personal Property Damage from Fire or Water
Homeowners have always had to deal with destructive natural elements like wildfires, flash floods, high winds, and storms. That’s on top of the usual homeowner concerns like water leaks or house fires. You may think you’re covered for these types of damages under your homeowner’s insurance policy until your insurance company starts giving you pushback.
Business Property Damage From Vandalism
Businesses also face the risks of fire and water leaks. But storefronts are often targets for incidents of vandalism, burglary, and theft that cause thousands of dollars in damage. The team at Amini Law can help you get the maximum amount under your insurance policy.
You could benefit from filing a property damage lawsuit if :
• Your property damage was caused by someone else’s negligent actions,
• Your insurance company denies your claims or delays your payments,
• Your insurance company threatens to cancel your coverage,
• Your claim is undervalued by your insurance company,
• Your insurance representative misrepresents your policy, or
• Your insurance company delays the investigation into your property damage claim.
Some of these cases involve insurance companies acting in bad faith – purposefully denying you your rights under the terms of your policy – which is also illegal.
At Amini Law, we make sure that your insurance company covers you for the full amount you’re owed under your policy. We always advocate for your best interests and goes, whether that involves repairing your home or buying another property.
