Property damage can cover various possessions, from your vehicle to everything in your home, garage, and even yard ornaments. To protect your property, you add homeowners’ insurance, renters’ insurance, and automobile insurance to your monthly bills. This allows you to repair or replace damaged items when an unexpected storm or other unforeseen incident occurs.
Most people are familiar with what to do after a car accident but have no idea how to file a claim when their car gets carried away during a flood. Our Conyers personal injury lawyers handle property claims for residential and commercial real estate properties, ranging from inclement weather damage to a leaking air conditioner in an attic. We can advise you on the next best steps for your damaged property claim.
Regardless of Your Current Coverage, Kaine Law Can Advise You
A property damage lawyer from our firm can help you figure out your legal options based on your current coverage. We know it can be confusing to navigate the claims process, and insurance companies don’t always cooperate. With Kaine Law, you will have our entire team behind you to regain and repair what you’ve lost.
It isn’t always possible to plan in advance for a disaster, so if you don’t have the insurance to cover your damages, our team can advise you on your other options for compensation.
For a free legal consultation with a property damage lawyer serving Conyers, call 404-214-2001
How You Can Plan Ahead With Adequate Insurance Coverage
Having good home, business, and automobile insurance is a financial investment worth every penny. When disasters happen, expenses can cascade quickly and deplete any financial savings you have within a short period. Having adequate insurance covers these unexpected expenses, keeping your home in working order and your property intact.
General Homeowner’s Insurance
A standard homeowners’ policy covers four general areas:
- Damage to the interior
- Damage to the exterior
- Loss or damage to furnishings, clothing, and other assets
- Injuries that happen on your property
Most policies include minimum liability coverage of $100,000 that can be increased with additional premiums, depending on your needs. When a claim is made, you may have to pay a deductible. Once the deductible is satisfied, the remaining coverage will be applied to repair or replace damaged or lost items and complete structural repairs.
Acts of God Insurance for Natural Disasters
Homeowners’ insurance can add specific coverage for inclement weather events not included in the general policy. Your policy may cover damage from thunderstorms or tornadoes, but not earthquakes and floods. Nicknamed “Acts of God” coverage, these add-ons are available in certain areas that experience these events.
There are earthquakes in Georgia, so you can add earthquake coverage. This add-on clause would provide for property damage resulting from an earthquake. Areas prone to flooding offer flood insurance clauses to cover damages resulting from water damage.
Your location will determine the exact type of policy you need and which inclement weather clauses would benefit you. It is best to discuss your policy decisions with a trusted insurance advisor. They can explain all your options, the premium and deductible costs, and the process for filing a claim.
Types of Insurance Coverage for Your Vehicle
- $25,000 for bodily injury liability (per person)
- $50,000 bodily injury liability (per accident)
- $25,000 property damage liability (PDL)
The minimum coverage is to compensate the other driver if you are at fault for a vehicle accident. You can add additional coverage for accidents caused by natural disasters or that are your own fault. In some cases, if you are financing or leasing your vehicle, you may be required to carry these additional policy add-ons. PDL covers damage to another person’s car if you are at fault for an accident.
Other kinds of auto insurance may include:
- Uninsured motorist coverage can protect you in an accident with a motorist who does not have insurance. Even though required by law, many drivers neglect to maintain adequate insurance.
- It is beneficial to carry comprehensive auto insurance for inclement weather and other unforeseen circumstances. This coverage will help if your vehicle is caught in a flood or trapped under a tree during a windstorm, hurricane, or tornado. Also known as physical damage insurance, this coverage protects your car under various circumstances.
Conyers Property Damage Lawyer Near Me 404-214-2001
Property Damage and Your Home
It is difficult to remember every word of your insurance policy. When disasters happen, we are not always in a good frame of mind to deal with the aftermath. Our best advice here is to step back, take a breath, and consider all your options.
After an incident occurs that damages your property, document the damage with photographs, video, and written testimony. When you speak with a lawyer about filing your claim, they can use this evidence to advise you on your options for compensation.
Property Damage Can Occur in Unexpected Ways
We’ve mentioned several weather conditions that can cause damage to your home and property. Your neighbor’s tree could fall on your car or house. The water heater could leak, flood your house, and damage the flooring. The neighborhood kids could play baseball in the street and hit a home run through your living room window. We cannot describe all the potential “what ifs” that can happen. But we can cover the basic concept of handling these situations.
Do You Have a Claim?
The first step is to determine if you have damages worth the resources required to take legal action. The second step is to determine if you have the insurance to cover repairs yourself, or if you will need to pursue compensation from the person who caused the damage. If you’re unsure if you have a claim, a member of our team can help.
Whether you consult with an attorney or go through your insurance on your own, the path you decide to take is your choice alone. If your goal is to repair the damage and return your property to its previous state, our firm is in alignment with that goal and can help you achieve it.
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Need Help with a Claim?
Our Conyers property damage lawyer at Kaine Law or a member of our team will be able to assist you in assessing your claim. We offer a free case assessment, so there is no risk to you. Contact our office to begin your complimentary case evaluation.