A person’s home is their castle. People want to protect their castle from damage. If you own multiple properties – say a beach condo in Avalon or a cottage in the Poconos – then the potential dangers are multiplied. Add a few cars into the mix and property damage can be very costly. Luckily, there are insurances to cover almost every type of property you may own. Even if you do not own your property, you can obtain renter’s insurance to cover any potential losses. You can even acquire insurance for your small, personal property such as expensive cameras, jewelry, and pieces of artwork.
Even if you plan for the worst, sometimes your planning is not enough. Insurances do not always cover 100% of your damage. That is where a good attorney can come in, especially if the damage is not your fault. The experienced property damage lawyers at Freundlich & Littman, LLC are here to stand by your side while you fight for the money you deserve.
If Someone Else Damages Your Property
In a car accident where another car is involved, make sure to obtain the insurance information of the other person or persons involved. Even if the situation was your fault or you cannot determine fault, take down their information. Give the information to your insurance company. The insurance company will take that information and work with the other insurance company or companies to determine who will pay out the insurance money to cover all the damages. Even if your home is damaged by a car smashing into it, make sure to get their insurance information. Their car insurance company may be able to provide some coverage to you.
If you cannot determine who caused the damage to your property, let your insurance company know that as well. In cases where the damage is a result of a hit and run, make sure to call the police first to see if the driver can be found.
All this information will affect your insurance company’s determinations regarding your claim. It will be a challenge collecting from another company without adequate proof of liability. Make sure you keep everything so that you can prove liability for insurance purposes.
Lodging Property Damage Claims with Insurance Companies
After your property is damaged, your first step is to get in touch with your insurance company to file a claim for the damages. You pay money each month and deserve to have the fullest protection for your money.
Once the property damaged is discovered, your next priority is maintaining all the evidence. You do not need to laminate everything or go overboard to preserve everything. Simply take pictures of all the damage. If necessary, call the police. The police will give you a full report for your records (this is especially important if you were in a car accident). Any forms that you sign or fill out in connection with your insurance claim should be kept in your personal records. Keep all documents in a safe place until the insurance claim process is complete.
Your insurance company will ask you to provide your basic demographic information and details about the damage. Especially if the damage is costly, your insurance company will most likely have an insurance adjustor contact you to determine the value of your claim. Be prepared to be asked questions regarding your claim. The insurance adjuster’s job is to make sure the insurance company only pays what they are legally obligated to pay for. Insurance companies may also require you to show proof for whatever insurance payouts you feel that you are entitled to receive. Insurance adjustors will try to get you to settle your claim, so never agree to a settlement offer than you are not comfortable with. Do not be fooled, the insurance adjuster is not looking out for your best interests, but is instead looking to save the insurance company the maximum amount of money.
If you feel that you are not getting the full amount that you are entitled to or are unsure if an offer from the insurance adjustor is fair, do not hesitate to contact legal counsel to review your options. Insurance companies have a lot of clout. They have adjustors and attorneys on their side. If you also have someone on your side, it will help the process.
What if the Insurance Company Will Not Pay?
If your insurance company denies your claim, you have options. Usually insurance companies make difficult to speak with representatives and for this reason, it may be burdensome to try to reason with your insurance company. It may be just a small error which caused the denial of benefits. Speaking with an actual representative may help move the case along instead of relying on e-mail communications and forms. But be aware, insurance companies are often recording your statements and will use them against you. In that same vein, make sure that you carefully read any document that an insurance company may be requiring you to sign. If you are not careful, you may be signing away your right to sue!
To help you navigate the complexities of recovering what you are entitled to, contact an attorney straight away. Keep in mind that insurance companies can take a few weeks to process your claim from start to finish. If your insurance company is denying you fair payment of your claim, do not hesitate to seek the best advice available. Contact the property damage lawyers at Freundlich & Littman, LLC today to schedule a free consultation.
Contact Us Today!
Freundlich & Littman, LLC. | 1425 Walnut St Suite 200, Philadelphia, PA 19102 | Phone: (215) 545-8500
Jonathan Rosenau represented me in the property damage claim to the insurance company. He is talented. He is intelligent. He is professional. He prepared me for examination under oath and provided the best course of action in my situation. As a result of his hard work Insurance Company agreed to reimburse the loss. I highly recommend the firm, and specifically Jonathan Rosenau! Thank you very much for your help!
Jonathan was amazing. Professional, hard-working, dedicated and communicates whenever necessary. I never felt left out of what was going on. On a scale of 1-10 he gets 11. Jonathan performed beyond my expectations. I could not have hoped for a better outcome. Best law firm ever and I've used many. Thank you so much. Lorraine
The team at Freundlich & Littman is superb in every way. They are dedicated, professional and focused on getting their clients the best results. If you want to feel like your lawyer has your best interests at heart, I would call Freundlich & Littman!
I called freundlich and littman after being involved in an automobile accident and they got me in the very next day. After meeting with Johnathan Rosenau Esq. I decided to let them handle my case. The process as a whole is very stressful but Johnathan and the other lawyers made the process very easy. With most lawyers you constantly have to call to check up on your case but with Freundlich and Littman they were the ones calling me and making sure that I was doing everything I needed to be doing. I didn't feel like numbers on a spreadsheet as you might with one of the bigger firms advertising on tv. I was always talking directly to my lawyer Johnathan. When coming into the firm for a meeting I was able to sit with all the lawyers and I was able to ask them all any questions I had. Thats whats unqiue with this law firm, you have your main lawyer but all the lawyers are very knwoknowledge about your case as if it was their own. I am thankful for how hard Johnathan and the other lawyers worked on my case. I am very happy to say that this process has finally come to an end. I hope that I am never involved in an automobile accident in the future but if I am I know who to call.