{"id":13664,"date":"2023-12-19T17:19:13","date_gmt":"2023-12-19T17:19:13","guid":{"rendered":"https:\/\/kpattorney.com\/?page_id=13664"},"modified":"2026-03-27T10:33:50","modified_gmt":"2026-03-27T14:33:50","slug":"property-damage","status":"publish","type":"page","link":"https:\/\/kpattorney.com\/es\/property-damage\/","title":{"rendered":"Abogados de da\u00f1os a la propiedad"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13664\" class=\"elementor elementor-13664\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4296816 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4296816\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dbfa8b2\" data-id=\"dbfa8b2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd67afc elementor-widget elementor-widget-spacer\" data-id=\"bd67afc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2cb9511 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cb9511\" data-element_type=\"section\" data-e-type=\"section\" id=\"atl-flex\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5f8d9bb\" data-id=\"5f8d9bb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1de9fac elementor-widget elementor-widget-heading\" data-id=\"1de9fac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Understanding Property Damage Insurance <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a018efa elementor-widget elementor-widget-text-editor\" data-id=\"a018efa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Owning a property means being exposed to unique and sometimes extreme weather patterns that make property damage a common issue for homeowners and business owners alike. Knowing how to protect your financial investments and get the most money out of your property damage insurance claim is critical for making sure you can continue to care for your property in the face of weather, as well as other issues like fires, vandalism, or accidents.<\/p><p>Working with a property damage attorney is the best way to make sure that your claim is being taken seriously by the insurer, and that you are fighting to get all of the money you deserve out of a policy that you pay good money for. The team at Kanner &amp; Pintaluga is known in insurance offices throughout the country for our aggressive approach and our dedication to getting our clients the money they are entitled to.<\/p><h3>Key Components of Property Damage Insurance<\/h3><p>There are a few terms you&#8217;ll want to know about when it comes time to make a claim:<\/p><h4>Replacement Cost Value<\/h4><p>The Replacement Cost Value, or RCV, covers the costs to replace your damaged property with new items of similar make and quality, and doesn&#8217;t include any deductions for depreciating values.<\/p><h4>Actual Cash Value<\/h4><p>The Actual Cash Value, or ACV, pays the depreciated value of your damaged property and considers factors like age and wear.<\/p><h4>Deductibles<\/h4><p>Your deductible is the amount you&#8217;ll need to pay out of pocket before your insurance kicks in. If you have a $5,000 payment for damage and a $1,000 deductible, you&#8217;ll ultimately receive $4,000.<\/p><h4>Coverage Limits<\/h4><p>Your coverage has a maximum limit, and your insurer won&#8217;t pay anything beyond that to cover your losses.<\/p><h4>Residential vs. Commercial Coverage<\/h4><p><strong>Residential policies<\/strong> cover your dwelling, your personal property, and other additional living expenses, but you&#8217;ll need to read your policy to determine exactly what is and isn&#8217;t covered.<\/p><p><strong>Commercial policies<\/strong> will include coverage for the building, business personal property, and losses resulting from a business interruption.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8a709ad\" data-id=\"8a709ad\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-906cb71 elementor-widget elementor-widget-text-editor\" data-id=\"906cb71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>Tell Us About Your Case<\/strong><\/span><\/h3>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Fill out our form for a FREE case evaluation.<\/span><\/p>\n\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd40c66 eael-gravity-form-button-full-width elementor-widget__width-inherit elementor-widget 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Smoke Damage<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kpattorney.com\/property-damage\/roof\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Roof Damage Claims<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kpattorney.com\/property-damage\/water\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Water Damage Claims<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kpattorney.com\/property-damage\/vandalism-theft\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vandalism &amp; Theft Claims<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-00d13b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"00d13b9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-266293c\" data-id=\"266293c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1954587 elementor-widget elementor-widget-spacer\" data-id=\"1954587\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e4a986b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e4a986b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d456aa\" data-id=\"2d456aa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a113a1e elementor-widget elementor-widget-text-editor\" data-id=\"a113a1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>What Kind of Property Damage Isn&#8217;t Covered By Insurance?<\/h2><p>Again, you&#8217;ll need to take a look at your exact policy to see what specifically is not covered, and it&#8217;s a good idea to get in the habit of regularly reviewing your policy with each update or renewal to identify possible coverage gaps and make the appropriate adjustments. The following are some of the most common exclusions:<\/p><h4>Flood Damage<\/h4><p>If you are in a flood zone, you&#8217;ll typically need to pay for separate flood insurance since standard policies typically exclude these types of damages.<\/p><h4>Earthquakes and Sinkholes<\/h4><p>Unless you have additional endorsements on your policy, earthquakes and sinkholes are often excluded from standard policies.<\/p><h4>Neglect and Lack of Maintenance<\/h4><p>If your property is damaged due to insufficient upkeep, it&#8217;s likely that your claim will be denied since these are avoidable damages.<\/p><h4>Mold<\/h4><p>Mold is typically excluded from or otherwise limited in standard policies, unless it was caused by an issue that is specifically covered in your policy.<\/p><h4>Intentional Acts<\/h4><p>You can&#8217;t file a claim for damages caused by intentional actions as the policyholder.<\/p><h2>How to Prepare for Filing a Property Damage Claim<\/h2><p>So, your property has been damaged, and it&#8217;s time to file a claim. Where to begin? Follow these steps to cover your bases and begin working toward a fair payout:<\/p><h3>Prioritize Safety<\/h3><p>Before you start assessing the damage, make sure that the property is safe to enter. If you aren&#8217;t certain, it&#8217;s best to contact a professional who can assess the situation and decide the immediate next steps.<\/p><h3>Document the Damage<\/h3><p>Take extensive pictures and videos, and be sure to include timestamps. Make sure that the pictures are clear, and once you&#8217;ve taken all of the pictures, go back and create a documented inventory of all damaged items. This is best done in a spreadsheet that includes a column of purchase price, specific features, and any other relevant information.<\/p><h3>Prevent Further Damage<\/h3><p>Make any temporary repairs \u2014 like tarping your roof or patching a broken window \u2014 to keep additional damage from happening. Make sure you save your receipts and invoices for any expenses you incur during this process, including the cost of labor.<\/p><h3>Review Your Policy<\/h3><p>Before you contact your insurer, make sure you are clear on your coverage, deductibles, exclusions, and policy limits. This is best done with the help of an attorney.<\/p><h3>Notify Your Insurer<\/h3><p>Report the damage promptly, since you likely have a policy requirement for the length of time you have to make a claim once you realize the damage has been incurred. Provide the insurer with all necessary documentation and information to help them establish the claim.<\/p><h3>Maintain Communication<\/h3><p>Keep a record of all of your communications with the insurer, including names, dates, and the topics of conversation. Follow up regularly to check on the status of your claim and make sure it continues to move along.<\/p><h2>Why Your Property Loss or Claim Was Denied<\/h2><p>Without going through the details of your situation, we can&#8217;t say for certain, but here are some of the most common reasons for denial we see:<\/p><h4>Insufficient Documentation<\/h4><p>If you don&#8217;t provide the insurer with ample evidence of the claims you are submitting, they will likely deny or request additional information.<\/p><h4>Policy Exclusions<\/h4><p>If the damage is listed under your exclusion clause, they&#8217;ll deny it. There may be a chance for appeal in certain instances.<\/p><h4>Late Reporting<\/h4><p>You have a clear deadline to report the damage, and a failure to do so will result in a denial. <strong>Initiate your claim as soon as possible.<\/strong><\/p><h4>Disputes Over Cause<\/h4><p>The insurer may argue that the damage you are claiming is the result of wear and tear or neglect, not a covered peril.<\/p><h4>Non-Payment of Premiums<\/h4><p>A lapsed policy isn&#8217;t worth more than the paper it&#8217;s printed on, so make sure you are on top of your payments.<\/p><h2>How Kanner &amp; Pintaluga Can Help<\/h2><p>Working with a property damage attorney is one of the best ways to make sure that your case is taken seriously and handled expeditiously. Here are a few of the major ways we can support you throughout this process:<\/p><ul><li data-gc-list-depth=\"1\" data-gc-list-style=\"unordered\">Review policy details, exclusions, or denial letters to identify valid paths to a successful appeal.<\/li><li data-gc-list-depth=\"1\" data-gc-list-style=\"unordered\">Gather additional evidence and outside expert opinions to support your case and argue for a fair settlement.<\/li><li data-gc-list-depth=\"1\" data-gc-list-style=\"unordered\">Negotiate with insurers on your behalf to get you a fair resolution that adequately compensates you for the damages you incurred.<\/li><li data-gc-list-depth=\"1\" data-gc-list-style=\"unordered\">Pursuing litigation, if necessary, to protect and defend your rights under your policy.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-398f9c30 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"398f9c30\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d54c35\" data-id=\"4d54c35\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21053dd0 elementor-widget elementor-widget-spacer\" data-id=\"21053dd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b764193 elementor-widget elementor-widget-text-editor\" data-id=\"2b764193\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"color: #ffce65;\"><strong>\/\/<\/strong> <\/span>FREQUENTLY ASKED QUESTIONS<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e844bd9 elementor-widget elementor-widget-heading\" data-id=\"3e844bd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Property Damage FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-464efb54 elementor-widget elementor-widget-spacer\" data-id=\"464efb54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a27fd0d elementor-widget elementor-widget-accordion\" data-id=\"6a27fd0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1781\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1781\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long do I have to file a property damage claim?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1781\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1781\"><p>It&#8217;s a good idea to report your property damage as soon as physically possible. The statute of limitations will vary depending on the state you live in, but the time you have to file will begin from the date of the loss or the date you realized you suffered the loss. Though it may seem like you have plenty of time, it&#8217;s important to act soon.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1782\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1782\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is the difference between Replacement Cost Value and Actual Cash Value?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1782\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1782\"><p>Replacement Cost Value will cover the cost of replacing your damaged property with new items of similar make and quality without considering depreciation. Actual Cash Value accounts for depreciation and pays you the current assessed value of the damaged property.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1783\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1783\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I reopen a claim if I discover additional damage later?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1783\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1783\"><p>If you have identified additional damage related to your original claim once it&#8217;s been closed, you may be able to reopen the claim. It&#8217;s important that you notify the insurer immediately and provide plenty of supporting documentation.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1784\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1784\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What should I do if my claim is denied?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1784\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1784\"><p>A denial letter is not necessarily the end of the road. Read the letter carefully to understand why they denied it, and consult with an experienced property damage attorney like the ones at Kanner &amp; Pintaluga.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1785\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1785\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I need a lawyer to file a property damage claim?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1785\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1785\"><p>There is no law saying you need a lawyer to file a claim, but the reality is that your chances of getting a fair, comprehensive settlement for your claim will improve significantly with the help of an experienced professional. Contact us today for a free consultation about your case to learn more about how we can help.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54ccfdf3 elementor-widget elementor-widget-spacer\" data-id=\"54ccfdf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-556b973 elementor-widget elementor-widget-text-editor\" data-id=\"556b973\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"vc_row wpb_row vc_row-fluid vc_custom_1580329187902 vc_row-has-fill\" data-vc-full-width=\"true\" data-vc-full-width-init=\"true\" data-vc-stretch-content=\"true\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element vc_custom_1660775339985\"><div class=\"wpb_wrapper\"><p>If you&#8217;re dealing with property damage, contact our law firm as soon as possible for a free consultation with an experienced attorney. We&#8217;re here to help, and the sooner we work together, the sooner we can protect you against insurer tactics to minimize payouts while fighting for your rights.<\/p><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-939db34 elementor-widget elementor-widget-spacer\" data-id=\"939db34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d0998df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d0998df\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e57538\" data-id=\"3e57538\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd8b529 elementor-widget elementor-widget-html\" data-id=\"dd8b529\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"http:\/\/schema.org\/\",\n  \"@type\": \"Service\",\n  \"serviceType\": \"Legal\",\n  \"provider\": {\n    \"@type\": \"Attorney\",\n    \"name\": \"Kanner & Pintaluga\",\n    \"image\": \"https:\/\/kpattorney.com\/wp-content\/uploads\/2018\/06\/logo-1.png\"\n  },\n  \"areaServed\": {\n    \"@type\": \"Country\",\n    \"name\": \"US\"\n  },\n  \"hasOfferCatalog\": {\n    \"@type\": \"OfferCatalog\",\n    \"name\": \"Legal Services\",\n    \"itemListElement\": [\n      {\n        \"@type\": \"OfferCatalog\",\n        \"name\": \"Legal Services\",\n        \"itemListElement\": [\n          {\n            \"@type\": \"Offer\",\n            \"itemOffered\": {\n              \"@type\": \"Service\",\n              \"name\": \"Property Damage Attorney\"\n            }\n          }\n        ]\n      }\n    ]\n  }\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-264ba18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"264ba18\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31d4d45\" data-id=\"31d4d45\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-025c402 elementor-widget elementor-widget-spacer\" data-id=\"025c402\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f23ad4e elementor-widget elementor-widget-heading\" data-id=\"f23ad4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Our Clients Say<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abaeb08 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"abaeb08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\">\n\t\t\t\t<i class=\"elementor-star-full\" aria-hidden=\"true\">&#xE934;<\/i><i class=\"elementor-star-full\" aria-hidden=\"true\">&#xE934;<\/i><i class=\"elementor-star-full\" aria-hidden=\"true\">&#xE934;<\/i><i class=\"elementor-star-full\" aria-hidden=\"true\">&#xE934;<\/i><i class=\"elementor-star-full\" aria-hidden=\"true\">&#xE934;<\/i>\t\t\t\t<span itemprop=\"ratingValue\" class=\"elementor-screen-only\">Rated 5 out of 5<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5fcb91 elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-testimonial--align-center elementor-arrows-yes elementor-pagination-type-bullets elementor-widget elementor-widget-testimonial-carousel\" data-id=\"b5fcb91\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tWhen an uninsured driver hit the front end of my brand new Range Rover, I was sick! Not only from the pain in my body but also the pain of being in an accident. This was my first accident ever and I didn\u2019t know what to do! My brother suggested I call an 800 hotline and reluctantly I did. I\u2019M SO GLAD I MADE THAT CALL! My attorney, Bill, was so helpful and knowledgeable. Physical therapy was amazing. And when it was time to close my case, Jose Hernandez was AWESOME! Thank you to everyone at K&P for turning a traumatic experience into a bearable process.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Shaundas Knighton<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tThe law office of Kanner & Pintaluga where very helpful in my auto accident case. When i made the call to have them represent me. They were at my door the same day. Their team that they had on my case made me feel secure. I would recommend them to anyone with a personal injury case.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Henry Bassett<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tThis team of representatives are the best, stays on top of everything and makes sure that I\u2019m satisfied every step of the way.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">CeeCee Jackson<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0693829 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"0693829\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\" data-no-translation=\"\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66f04d2\" data-id=\"66f04d2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8fe4b3 content-align-cta-center elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-eael-cta-box\" data-id=\"f8fe4b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"eael-cta-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"eael-call-to-action cta-basic bg-lite cta-preset-1\">\n        <h4 class=\"sub-title\"><span style=\"color:#ffce65\">\/\/<\/span> SI NO GANAMOS, NO PAGAS<\/h4><h2 class=\"title eael-cta-heading\">OBTENGA UNA CONSULTA GRATUITA<\/h2>P\u00f3ngase en contacto con el estudio jur\u00eddico Kanner &amp; Pintaluga para concertar una consulta gratuita, y perm\u00edtanos brindarle a usted y su familia un servicio dedicado y obtener para usted la compensaci\u00f3n que se merece.\n<h2><span style=\"color: #ffffff\">Llame al <a href=\"tel:+18882833831\">888.283.3831<\/a><\/span><\/h2><a href=\"#\" class=\"cta-button cta-preset-1  \"><\/a>\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Understanding Property Damage Insurance Owning a property means being exposed to unique and sometimes extreme weather patterns that make property damage a common issue for homeowners<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":17,"featured_media":1310,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-13664","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Abogados de da\u00f1os a la propiedad | Kanner &amp; Pintaluga<\/title>\n<meta name=\"description\" content=\"Property damage claims include fire, hail, and storm damage. 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