When your property is damaged by accident, theft, or disaster, you lose more than things—you lose your sense of home. Regaining a feeling of safety and security may take time, but one step is addressing your losses through a property damage claim. With the help of our Port St. Lucie property damage lawyers from the Law Offices of Anidjar & Levine, feeling at home again can be easier. We can fight for a fair financial recovery and minimize your stress.
Restoration And Reimbursement For Property Damage in Port St. Lucie
If you are overwhelmed at the prospect of cataloging and quantifying your losses, that’s natural. At the Law Offices of Anidjar & Levine, our Port St. Lucie personal injury lawyers are familiar with the process and can take over determining a value for your property loss case.
Compensation could include damages to help with:
- Replacement
- Reimbursement
- Repairs or rebuilding
- Temporary living expenses
Some property loss victims underestimate what is eligible for inclusion in their claim. For instance, if your home was damaged by fire or storms, forcing you to relocate, expenses from that relocation could be compensated.
Additionally, “damaged” doesn’t mean “ruined.” If something can be repaired, such as a broken appliance, or restored, such as artwork, those expenses can be included. Don’t assume that repairable property isn’t covered.
Since it can be challenging for the average person to know what qualifies for repairs, restoration, or replacement, our attorneys can work with experts to identify your qualifying losses.
Property Eligible For Compensation
Depending on the incident that caused the property damage, you could be facing losses to your home or your personal items. Compensation could cover:
- Window and doors
- Roofs
- Flooring
- Structural damage
- Possessions
- Appliances
Your case doesn’t have to include only damage to big items or your home itself. Collectibles and heirlooms could be included. From books to big screen TVs, what you value is what we value, and we can determine how it fits into your claim.
Additional Structures and Vehicles
Talk to us if you also sustained losses to ancillary buildings or vehicles. Being on the coast, Port St. Lucie residents may naturally own boats or other watercraft that can be damaged by storms or fires. Insurance for the vehicle or even for your home could cover the damage.
Therefore, your claim could cover:
- Porches
- Sheds
- Garages
- Gazebos
- Pool houses
- Vehicles
- Boats
- Recreational vehicles
How Our Property Damage Lawyers Can Assist With Your Port St. Lucie Case
Pursuing compensation for covered losses typically involves filing an insurance claim. This process will depend on the terms of your policy and what is covered under it. For instance, you may need to file a claim with your auto insurance for damage to your vehicles, while a claim involving damage to your home should be filed with your homeowner’s insurance.
For some, the process can feel unnecessarily labyrinthine, forcing you to understand complex legal language and jump through hoops just to access the coverage you paid for. Rather than puzzle over the steps yourself, consult our attorneys. We can:
- Take stock of your losses
- Secure temporary shelter or support
- Value your claim and obtain estimates
- Make a statement to an insurance adjuster
- Oversee repairs or negotiate compensation
- Review and explain any claims or policy paperwork
- Represent you in all interactions
- Prevent delays or stall tactics
In short, we can handle most aspects of your claim for you. We process your case while you process your experience.
Let Us Gather Evidence for Your Insurance Claim
Getting damages for covered losses requires extensive proof of those losses. Insurance companies may try to minimize what you lost, so it’s imperative to build a strong case for your compensation. We can compile evidence like:
- Damaged items
- Receipts and records
- Valuation documentation
- Inventories
- Photos or video
- Estimates and bids
- Expert testimony
That art collection? We can use photos, receipts, and provenance to prove its worth. The furniture passed down through your family? Photo albums, testimony, and expert evaluation could help solidify what you lost when it was damaged. Even proof of out-of-pocket expenses, like receipts from McDonald’s from when your family was eating out after a fire, can help us build your case.
When To Pursue Additional Action
In addition to assisting you as you navigate the insurance claims process, we can help you understand other options if negotiations aren’t working. Sometimes, adjusters refuse to accurately acknowledge your losses. Other times, insurance companies even act in bad faith.
We may pursue additional legal action if:
- You believe your claim is being undervalued
- Your claim was unfairly denied
- You are being blamed for not taking proper precautions
- There are disagreements about your policy or coverage
- Parties fail to agree on compensation
- An insurance company refuses to honor your policy
If you suspect any of the above apply to you, our team can discuss your options.
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Types Of Property Damage Cases We Handle in Florida
At the Law Offices of Anidjar & Levine, we handle property loss cases caused by:
- Hurricanes
- Storms
- Tornados
- Hail
- Fires
- Flooding
- Water
- Wind
- Termites
- Theft
- Accident
- Sinkholes
Nuances and Exceptions
When investigating your case, we also investigate the cause of your losses and how that is covered by your insurance coverage. For instance, the Federal Emergency Management Agency (FEMA) points out that water damage caused by wind and water damage caused by flooding are covered differently. Indeed, many homeowners insurance policies don’t cover flooding, so knowing the exact cause of your water damage could be crucial to getting compensation.
Some cases are also subject to unique deductibles. As the Insurance Information Institute (III) highlights, Florida has hurricane deductibles, meaning specific coverage is triggered by a storm classified as a hurricane. This part of your insurance coverage can make a difference when you go to file a claim.
Insurance companies may use these nuances and exceptions to exclude certain losses from coverage. However, we can get to the bottom of what property losses you suffered and how to receive benefits through the correct policy.
Learn About Covered Losses From Our Property Damage Attorneys Today
When you contact the Law Offices of Anidjar & Levine, you receive a free consultation about your property damage case. Our lawyers serve Port St. Lucie by making legal information accessible and understandable. Feel at home again soon by contacting our office today!
