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2 09, 2021

Common Types of Property Damage Claims

By |2021-09-02T09:56:02-04:00September 2nd, 2021|Categories: Fire Damage Law, Hurricane Damage Law, Insurance Claims, Tree Damage Law|Tags: , , , , , , , , , |

There are various types of property damage claims in Florida that can help you rebuild and repair following the devastating effects of natural disasters and accidents.

Property damage occurs more often than people think, so it’s important that you have the necessary homeowners insurance. Note that in some cases, you may need to buy an add-on to your homeowner’s policy.

Here are the most common types of property damage claims in Florida and how a property damage attorney can help:

Wind and Hail Damage

The most common type of property damage claim is for those caused by wind (34%). On average, a wind damage claim accounts for $11,200 worth of damage.

These claims cover damage caused by hurricanes, hail storms, tornadoes and other strong storms. Storms bring strong winds that can rip the roof apart or throw debris at your walls, leading to expensive repairs. Common wind damages include:

  • Broken Outdoor Furniture
  • Broken Windows
  • Damaged Air Conditioning Units
  • Damaged Roofs
  • Damaged walls from flying debris
  • Damaged solar panels
  • Fallen or uprooted trees
  • Missing or broken shutters
  • Severely damaged exterior paintwork, stucco or cladding
  • Structural Damage
  • Water intrusion

Water Damage

Water damage causes damage fast. Long-lasting damage too. Whether it’s a broken pipe, plumbing failure, hurricane or flood, these are expensive repair jobs. It’s important to remember that while the extent of the water damage may be obvious, it’s best to get a proper appraisal with the help of a property damage attorney – to ensure you and your insurance company don’t miss anything.

In 2018, 23.8% of property damage claims were for water damage. Common examples include:

  • Damaged appliances
  • Damaged furniture
  • Discoloration on walls, ceilings and floors
  • Mildew
  • Structural damage
  • Termite and bug infestation
  • Weakened foundations

Fire Damage

32.7% of property damage claims come from fires. Fires are brutal. Whether they’re started in the kitchen or lightning strikes, they spread fast and burn pretty much anything in sight. They also spread smoke and chemicals throughout the property. It’s vital that your insurance policy covers fire damage, as they can strike anyone at any time.

Be warned that insurance companies find ways to blame homeowners for fires, from accusations of arson to violating your policy. That’s why you should always contact a property damage attorney to get a fair payment.

On average, this type of property damage claim accounts for $79,785 worth of damage. Examples include:

  • Appliances and electrical items damaged
  • Damaged electrical systems
  • Damaged plumbing systems
  • Destroyed furniture
  • Discoloration of walls and belongings
  • Foundation damage
  • Odor from smoke
  • Roof damage
  • Structural damage

Sinkhole Damage

If you live in Florida, then sinkholes should be included in your homeowner’s insurance policy. There are more reported sinkholes in Florida than in any other U.S. state.

Sinkholes are often hard to detect but can pull your home to the ground. If you see even a small sinkhole, it could signal a bigger problem further below.

In Florida, homeowners are required by law to offer coverage for catastrophic ground cover collapse, but comprehensive sinkhole coverage is optional.

Insurance companies are notorious for working their way out of paying for sinkhole damage, which is why you should contact a property damage attorney to fight for you.

Hurricane Damage

When Florida’s hurricane season hits, property damage claims go through the roof. They become one of the most common types of property damage claims.

Hurricanes are particularly devastating, with even the most robust buildings often suffering some form of external damage.

It’s important to note that Florida’s homeowner insurance covers hurricane damage caused by wind, but flooding is not. That’s why it’s often advised to take out an additional flood damage policy to cover all bases.

Theft Damage

Burglary and theft incidents are frightening but also costly. From stolen items to smashed windows or possessions, you deserve to be compensated for this damage. 1 in 400 insured homes makes a property theft claim every year.

Although these damages are protected under home insurance policies, insurers are often reluctant to pay out the necessary fee. They may blame you for lack of security or undervalue your items. Thankfully, property damage attorneys are experienced and comfortable with taking on these big insurers and proving that you deserve the full payout.

The FBI found that 74% of burglaries occur in residential neighborhoods.

Tree Damage

Florida property owners are well aware of the damages caused by trees in storms and hurricanes. Strong winds can rip trees from the ground, causing them to smash into windows and walls while devastating the yard.

But did you know tree damage can occur naturally too? From encroaching roots to falling tree branches, it happens every day.

Tree damage claims may seem simple, but they’re often complicated. Roots and branches can cross property lines causing confusion and claim denials from insurers.

If your property has incurred tree damage, you should contact a property damage attorney to help make a case that brings you the damage cover you deserve.

What to Do If Your Property Has Been Damaged?

If your property has suffered damage, you can make one of these types of property damage claims to receive financial cover for the losses, repairs and rebuilding.

Sadly, insurance companies do not just hand out money without making it difficult. They have a variety of tricks up their sleeves. They often try to blame you, undervalue your losses, deny claims, use delaying tactics and more – all to pressure you into accepting a low ball offer.

But you deserve better. That’s where we come in. As property damage attorneys, we help fight insurance companies to get you the money you’re owed. We’ll prove the costs of your damages and won’t give in to the tricks and pressures of insurers.

Property Damage Attorney in St Petersburg, Florida

Free Consultation Today

If your property has suffered damage or you’re facing a problematic insurance company, then contact us today.

Attorney Jonathon Douglas leads the property damage claim team nationally ranked by U.S. News and World Reports as a Tier 1 Law Firm, Battaglia Ross Dicus & McQuaid, P.A.

Having previously represented some of the largest insurance companies in the State of Florida, Mr. Douglas uses his inside knowledge and experience to help you tackle the insurance companies.

Regardless of your situation, you can receive a free consultation today.