Your home is one of your largest assets, and you want to protect it. So, when property damage occurs, it is stressful. If you need a property damage settlement to make repairs, you want to accomplish this as quickly and easily as possible.
A Covington personal injury lawyer with Kaine Law can help. Our legal professionals can handle your residential or commercial property insurance claim and work to ensure you receive full and fair compensation for your covered losses. Let us take on the stress and hassle of dealing with the insurance company so you can focus on getting your life back on track. You can start with a free consultation today.
We Will Pursue Fair Compensation for Your Property Damages in Covington, GA
You have faithfully paid your homeowners or business insurance policy, trusting that if the worst happens, your insurer will cover you. However, insurance companies exist to make a profit and will sometimes make getting the money you deserve difficult in the interest of their bottom line.
At Kaine Law, we work for you, not the insurers. We will fight to make sure you get every cent the insurance company owes you under your policy. Generally, most property insurance policies pay for the following losses:
- Structural damage. The structural damage portion of your coverage pays to repair or rebuild the physical components of your property, including doors, windows, roofs, walls, and decking. Usually, this coverage applies to the primary structure and any outbuildings on the property, such as sheds, gazebos, or detached garages.
- Contents and personal belongings. This coverage compensates for damaged furnishings, appliances, decor, electronics, jewelry, and other personal items and household goods.
- Additional living expenses (ALE). If you must leave your residence because of damage or construction, ALEs pay for costs you incur from not being in your home, including hotel bills, restaurant meals, and pet boarding fees.
If you have commercial property, your business policy may pay for some additional damages, including spoiled stock and business interruption. Our personal injury attorneys serving Covington can review your insurance agreement to identify all your covered losses.
For a free legal consultation with a property damage lawyer serving Covington, call 404-214-2001
Our Covington Attorneys Can Prepare and Manage Your Georgia Property Damage Claim
Dealing with a property damage claim can be overwhelming, especially if you cannot be in your own home. It can be even more daunting if the insurance company plays hardball or engages in bad faith tactics. If you are in this situation, you could take legal action to recover your losses.
Our Covington property damage attorneys can navigate your claim, protect your rights, and pursue the maximum compensation possible for your losses. We can:
- Gather evidence documenting your damages, including photos of your home or business, repair estimates, receipts, and independent adjustments.
- Calculate the cost of repairing or replacing your property’s contents and prove the value of these damages.
- Draft and file your claims paperwork.
- Communicate with insurance adjusters and other involved parties on your behalf.
- Negotiate for the maximum settlement possible.
- Defend your right to financial compensation if the insurance company attempts to deny your payment or undervalues your claim.
- Ensure the insurance company promptly remits your payment.
- File a property damage lawsuit in civil court and represent you at trial if necessary.
We Can Represent You Without Upfront Attorney’s Fees or Costs
We do not believe the cost of an attorney should bar anyone from seeking justice. Therefore, we make our services accessible by offering free initial consultations and taking cases on a contingency fee basis. We ask for nothing upfront or out-of-pocket, and you only pay us if and when you recover monetary compensation for your property damages. You can read our testimonials page to see what our clients say about working with us.
Covington Property Damage Lawyer Near Me 404-214-2001
Property Damage Insurance Covers Various Incidents in Covington
Many Covington, GA, homes and businesses sustained damage when a rash of tornados and high winds hit the area in the spring of 2023. Fortunately, most property insurance policies cover this storm damage unless expressly the policy states otherwise. In addition to tornado damage, property insurance policies generally cover damages caused by the following:
- Accidental overflow or discharge of water or steam
- Sudden and accidental tearing apart, cracking, burning, or bulging
- Sudden and accidental damage from artificially generated electrical current
- Freezing of plumbing, heating, air conditioning, or fire-mitigation sprinkler lines
- Weight of snow, ice, or sleet
- Falling objects
- Vehicles and aircraft
Reasons the Insurance Company May Deny Your Claim
If the insurance company denies you payment or offers you a lowball settlement, you may wonder why. Our property damage lawyers serving Covington can get to the bottom of any difficulties with your insurer and push back if they deny, undervalue, or delay your settlement.
Reasons an insurance company may deny your claim include the following:
- You did not promptly file your claim.
- You are not up to date on your premiums.
- The insurance company believes negligence caused the damage.
- The insurance company alleges the damages fall under normal wear and tear.
- You did not adequately document the damage.
- You did not take steps to protect your property from further damage.
- The insurance company believes you made a false claim or questionable statement.
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Georgia’s Statute of Limitations for Recovering Property Damages
You should file a claim with your property insurer as soon as possible. Documenting your damages, filing a claim, and working through negotiations can take time. If you cannot reach an agreement with your insurance company before Georgia’s statute of limitations expires, you will lose your chance to seek compensation in civil court. According to O.C.G.A § 9-3-32, you have four years to file a property damage lawsuit.
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What Should You Do If You Have Damage to a Covington Property?
If your home or business sustains property damage, you should take several immediate steps. Doing the following will protect your property and could help make seeking compensation go more smoothly:
- Take pictures of all the damage. Photograph or take a video of structural damage and damaged personal items, such as furniture, appliances, and electronics.
- Make temporary repairs. You should cover or board up broken windows, doors, and holes in your roof or walls and make any other necessary repairs to safeguard your property. If you must vacate the premises, turn off the electricity, gas, and water lines.
- Report the damage to your insurance company.
- Save documents. Keep careful track of documents and written communications between you and your insurance company. You should also save receipts from any expenses incurred because of temporary repairs or having to leave your home.
Call Kaine Law for Help With a Property Damage Claim in Covington, GA
It can be challenging to deal with property repairs, and going back and forth with an insurer about who should cover the financial costs can be stressful and time-consuming.
You don’t have to handle your legal issue alone.
Call Kaine Law to learn how our Covington property damage lawyers can make the claims process more manageable. We offer a free consultation so you can learn more about the legal services that could help your situation and any time limits that may apply to taking action. Connect with us today.