Your home is likely one of your biggest assets, but it is vulnerable to many kinds of damage, from pests to natural disaster and more. You likely pay premiums on homeowners insurance so that you’re covered in case anything goes wrong, but after serious damage you may have questions about your insurance policy, may wonder if there are other ways to get damaged covered, or may run into problems dealing with your insurance provider. These are just a few reasons why Miami-Dade County homeowners contact Flaxman Law Group after serious property damage.
What Kinds of Property Damage Happen in Miami-Dade County?
Every property can suffer different kinds of damage, including:
- Pest damage, including harm caused by termites, mice, and other infestations.
- Faulty materials or construction or renovation work.
- Wilful damage, including arson and damage from break and enter incidents or vandalism.
- Mold.
- Damage caused by natural disasters, such as winds, storms, flooding, and more.
- Damage from smoke and fire.
- Damage to the exterior of your home, including the roof, windows, siding, and more.
- Harm to the interior of your home.
- Damage to landscaping and exterior property, including garages, cars, boats, RVs, and anything else on your property.
- Foundation damage.
Doesn’t Insurance Cover My Damages?
Many homeowners who experience property damage contact their insurers, fully confident their insurer will handle the problem. However, some homeowners face denied claims or other problems. In some cases, insurance companies claim a type of damage is not covered or delay the claims process.
You may want to look at your policy to see what is covered and how much you may be covered for. However, keep in mind that even if your property damage looks like it may be damaged, you could run into challenges. A common problem is that repairs for major property damage can run over budget and past schedule. If they do, you will generally already have accepted your insurance company’s assessment of the damage and it can be challenging to get additional compensation, which can mean you are responsible for the difference.
Major repairs on your home are complex, so if your home will need to be rebuilt after damage or will need significant work, you may want to speak to a property damage claims attorney. An attorney can evaluate the situation and seek fair recovery. They can find any liable third parties and tell you whether you may have a claim. They can also negotiate with insurers on your behalf, seeking a good outcome so more of your repairs are covered.
In addition to speaking to an attorney, you will want to get documentation about the damage. Keep any paperwork, including estimates, from contractors, and take photos of the damages and any repair work. Keep notes on when damages occurred and the progress of any work being done.
Contact a Property Damage Attorney
If your property in Southern Florida has sustained damage and you would like to speak to a property damage attorney, you can always contact Flaxman Law Group at 1-866-352-9626 (1-866-FLAXMAN) for a free accident consultation. Our team has more than 60 years of combined experience in Southern Florida and offices in Miami, Hollywood, and Homestead to serve you better. In an initial consultation, we can explain what we can do in your situation to help.