Property Damage

Incurring property damage can be a significant financial setback for many individuals.  Whether the property damage involves your car or your home, it is important to seek the assistance of an experienced property damage attorney.  A property damage attorney can negotiate with insurance carriers and make sure that you maximize the amount you recover from your insurer. 

We've all seen debris on the road. How about a mattress in the middle of the freeway? If you hit a mattress with your car it can cause significant damage. If you made a collision claim under your insurance, you would likely have a deductible which you would have to pay. The police and your insurance company might find you were at fault because you should drive in a way that you can avoid hitting things in the road. Your rates could go up. If you injured yourself when you hit the mattress, you would not be able to recover damages for your injuries.

However, with just one change in the facts, all this would change. Your deductible could be paid, it wouldn't be your fault, your insurance rates would not go up, and you could be compensated for your injuries. The single fact that changes all this is simply that the mattress was moving when you hit it. If the mattress was moving (i.e. just fell off a vehicle, got hit by another vehicle and pushed into your lane, etc.) this could be covered under uninsured motorist coverage. It's small distinctions like this that can make a significant difference in your case. Insurance adjusters know how to avoid coverage and are trained to take your statement in ways to tie you down to facts which will allow them to deny your claim. Other small distinctions can mean the difference between coverage and denial in many property damage claims such as water leaks, fire losses, and theft claims. You can avoid many problems by contacting The Dunk Law Firm for a free initial consultation before speaking to the insurance company.

The Dunk Law Firm has considerable experience negotiating with insurance companies with regard to clients' property damage claims.  The firm understands that insurance companies often have their own priorities when it comes to property damage claims--namely to minimize the amount they pay to policyholders.  For this reason, it is important to consult a qualified property damage lawyer who can ensure that you receive the compensation you deserve. 

Vehicle Property Damage

If your vehicle has been damaged, you are entitled to receive compensation based on the degree of damage to your vehicle.  The list below provides the various types of recovery vehicle owners may obtain from their insurance companies:

• Total Loss of the vehicle:  If the insurance company deems the vehicle a "total loss," this generally means that the property is damaged or destroyed to the extent that it cannot be repaired or repairing the vehicle would cost more than the actual value of the vehicle. 

When a vehicle is at a "total loss" you may be entitled to receive the fair market value of your car based on the car's pre-damaged condition.  To ensure you receive the full fair market value, you should have service receipts, repair receipts, and maintenance records on hand.

• Repair Costs of the vehicle:  In most circumstances, if the cost of repair would be less than the cost of replacing the vehicle then the insurer may reimburse you for the repair costs. 
• Rental Value or Loss of Use of the vehicle:  While your vehicle is being fixed, you may need to rent a car.  If this occurs, you may be entitled to receive reimbursement for rental car costs.
• Towing Costs:  Depending on the type of insurance coverage you have, you may be entitled to reimbursement for the cost of having your vehicle towed. 

Residential Property Damage

The Dunk Law Firm also assists homeowners who are having difficulties with their homeowner's insurance companies.  If your home is damaged due to flooding, fire, rain, or landslides, it is of utmost importance to have the damage repaired as soon as possible.  We safeguard the interests of our homeowners by vigorously advocating on their behalf.

Our firm has the experience, dedication, and skill to ensure that you receive the highest amount of recovery in your property damage claim.  Contact The Dunk Law Firm today to schedule a free consultation to discuss your property damage claim.