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Property Damage FAQs

content reviewed by:
Justin Lee Lawrence

last updated: June 17, 2024

Property Damage Frequently Asked Questions

A property and casualty lawsuit typically arises when a homeowner seeks compensation from their insurance company for property damage that is unfairly rejected or less than the value the homeowner is entitled to. This can include damage caused by natural disasters, accidents, or other covered incidents. Our property damage law firm can help you contest a denied or undervalued insurance claim.

You should consider filing a lawsuit if your insurance claim has been denied, delayed, or if you believe you are not being adequately compensated for the damages to your property.

Damages that can be claimed in such lawsuits may include repair costs, replacement costs, temporary housing expenses, and any additional costs related to the covered incident. If your insurer makes an offer that does not include funds for these kinds of necessities, you may be able to get them through a lawsuit.

An experienced attorney can assist you by evaluating your case, negotiating with the insurance company on your behalf, and representing you in court if necessary. Their skillset can significantly increase the likelihood of a favorable outcome.

When the underlying issue is auto damage, usually the difference between the insurance offer and the final repair cost is not enough to justify hiring an attorney. We often recommend clients deal with the insurance company directly on car damage claims where no personal injury is involved.

The duration of a lawsuit can vary depending on the complexity of the case and the willingness of the insurance company to negotiate. An attorney can provide a more accurate timeline after assessing the specifics of your situation.

Our cost structure for Property and Casualty is based on a contingency fee model. Instead of charging a fixed upfront fee, we operate on a contingency basis, which means our fees are contingent upon the successful outcome of your claim or case. This fee is typically a percentage of the recovered amount, ensuring that our interests are aligned with yours in achieving a favorable resolution. It means you pay nothing up front, and our fee is paid out from a portion of your winnings.

To protect your property from natural disasters, it's important to take proactive measures before disaster strikes. Key steps include reinforcing your roof and windows, securing heavy furniture, installing storm shutters, and trimming trees around your home to prevent debris damage. Visit our guide on natural disaster preparedness to learn more!

Video Transcript

What sets Lawrence and Associates apart from other firms is that we have an experienced staff that has what we call on both sides of the V. So I have worked for insureds, represented insureds, fought for insureds against insurance companies, but I also have an extensive amount of experience working for the insurance companies. So I know how they operate. I know how they evaluate claims. I know what they’re looking for and my staff and I here at Lawrence and Associates can sometimes anticipate issues before they even arise because we have that experience working both for and against the companies.

Professional portrait of Meagan Tate

Meagan Tate

Partner, Lawrence & Associates

“Insurance companies are in the business of evaluating and balancing risk. If your insurance company is not fairly evaluating your claim, you should hire an aggressive attorney with a winning record that can demonstrate to the insurance company that the financial risk of litigation outweighs the potential financial reward of undervaluing your claim.”

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