It is good to know that the insurance policy covers the damages due to traffic collisions, home invasions, and natural disasters that damage your property. An insurance policy from a credible and reliable provider can help you to avail of the claim hassle-free. If the policy provider is uncooperative and vague, then the claiming process might become strenuous for you.
Whether to hire a lawyer or not is the most crucial choice you will make after a destructive event, if you already have incurred expensive bills for repairing the damages. Fortunately, hiring the service of a professional lawyer is affordable, and it can save you money in the long run by increasing your claim. In this article, we will discuss when you should hire a lawyer from an Autrey Law Firm and what you should expect from the process of property damage claims.
Every policy is different. Thus, you should know the coverage before filing for the damaged property claim. Some common coverage includes:
Commercial and residential property damage
Insurance policy for renters, homeowners, or commercial property covers the damages caused by:
- Hail storms and Hurricanes
- High winds and tornadoes
- Fallen trees and lightning strikes
- Mold removal and damages.
You should know that standard policies do not cover every damage due to natural disasters. Damages due to earthquakes, floods, and sinkholes are considered non-standard damages. Owners whose properties are more vulnerable to these damages often go with an optional policy to safeguard themselves.
Almost every standard property policy covers the entire estate structure, including its roofs, walls, and base, when it sustains any damages. Getting add-ons to the existing insurance policies extends the coverage to land improvements. When a natural calamity makes your home property inhabitable, few policies also cover the cost of your lodging and meals.
Damage to vehicles due to accident
One of the most common property damages is Vehicle damage. If someone has damaged your motor vehicle in a collision, you will receive compensation from the insurance company for the destruction.
If you fail to get compensation from another driver or the cost of restoring the previous condition exceeds the policy limit, you can also obtain the compensation’s remaining part from optional policies.
You will receive compensation for the vehicle repair depending on the type of insurance policy you hold. When your vehicle is damaged, the insurer will check the car’s value in the market and pay you the total sum if the amount does not exceed the policy limit.
Why do you need a lawyer?
If the insurance company does not agree to pay the compensation and takes the case to the court, hiring an attorney becomes imperative. Since the insurance company will have the best lawyer on their side, thus winning a legal battle against them without a lawyer would be impossible.
End words By now, you must have been convinced about the significance of having an attorney to win the case. If you still have any other queries, consult an experienced attorney in the Autrey Law Firm. They offer an inexpensive or free initial consultation, which will help you to get the answer you need.