Property Owners Can Find Help With the Damage Claims Process

In Florida’s muggy, hurricane-prone climate, water damage is a common occurrence. If your home sustains property damage, whether due to a storm, flood, or even theft, you can file a personal property damage claim with your insurance company to cover the damage.

These claims can be complex, so contact the lawyers at EC Law Counsel. With over a decade of experience in personal property insurance claims, we will support you throughout the claims process and fight for you.

Call us today at (954) 861-0833 to speak with an experienced Florida personal property damage lawyer at EC Law Counsel.

Common Types of Property Damage in Southeast and Southwest Florida

The most common types of personal property damage in Southeast and Southwest Florida include the following:

• Water Damage: Water damage is a common cause of damage claims, often resulting from burst pipes, leaky appliances, or natural disasters like floods or storms.
• Fire Damage: Fire damage can be devastating, and often results in claims for the replacement or repair of personal property that was destroyed or damaged in a fire.
• Theft: Theft is another common cause of personal property damage claims, where damage occurs either from burglary or robbery. Depending on the policy, theft claims may cover stolen items, as well as any damage caused by the thieves.
• Vandalism: Vandalism, such as graffiti or broken windows, can cause damage to personal property and may be covered under certain homeowner’s insurance policies.
• Wind and Hail Damage: Damage caused by wind and hail, such as broken windows or roof damage, can also result in personal property damage claims.

If you are meeting resistance from your insurance company, an experienced personal property damage lawyer with EC Law Counsel can help.

Steps to Take After Suffering Personal Property Damage in Southeast and Southwest Florida

Insurance policies differ, but some of the most common steps to take after damage occurs include the following:

• Reporting: All policies require property owners to report the damage to their insurer within a specific time. If you miss the deadline or statute of limitations, your insurer will deny your claim.
• Mitigation: Property owners must take reasonable measures to limit the damage. What constitutes reasonableness varies by claim, but the purpose of this requirement is to prevent more severe damage.
• Proof of Loss: Your insurance claim must include an itemized list of damages, signed under penalty of perjury.

At EC Law Counsel, we can assist you through these steps. We have served southeast and southwest Florida residents with the cost of repair for over a decade.

Steps to Take if Your Insurer Denies Your Personal Property Insurance Claims

If you receive a denial of coverage for personal property damage, an experienced personal property damage lawyer at EC Law Counsel can appeal or resubmit the claim.

The most common reasons for the denial of personal property damage claims include the following:

• Missed deadline: You must file a claim for property damage within a specific timeframe.
• Lack of coverage: Your policy may not cover the personal property damage incurred.
• Late payments: An insurer will deny coverage if you fail to pay your premiums.
• Lack of evidence: Your insurer may deny your claim because you provided insufficient evidence to support it.
• Statute of Limitations: If another person damaged your property in a crime, the statute of limitations to file is four years. If you wait too long, your claim can be denied.

EC Law Counsel has over a decade of experience handling personal property damage claims in Southeast and Southwest Florida. If your insurer denied your insurance claim, contact us today for an evaluation.

Contact an Experienced Florida Personal Property Damage Lawyer at EC Law Counsel

Filing a personal property damage claim with your insurance company can be a confusing process. Put our experience to work for you so you can afford the cost of repair or replacement. EC Law Counsel serves Florida in personal property damage claims.

Call to speak with an experienced personal property damage lawyer today at (954) 861-0833.