Property Damage and Hurricane Damage Lawyers in Panama City
Florida homeowners and business owners often assume their property insurance will protect them if disaster strikes and their property is damaged or destroyed. In many cases Florida property damage comes in the form of hurricane damage, but that’s certainly not the only type of disaster that can befall Panama City properties.
Homes and businesses in Panama City can suffer damage from plumbing leaks, mold, fires, hail, lightning or vandalism. Insurance companies have complicated property insurance policies for one primary reason. The more exclusions and rules they include in their policies the less likely they will be forced to pay out on their policy holders’ claims.
The Panama City property damage attorneys at Kanner & Pintaluga are dedicated to making sure local property owners aren’t short changed when disaster strikes. We frequently represent home and business owners after hurricane damage claim denials, but we also represent people with other types of denied property damage claims.
Hurricane damage claims can be complicated because many property insurance policies exclude certain types of natural flooding damage or have high hurricane deductibles. However, most homeowners with hurricane damage actually have wind damage claims. Wind damage should be covered, as well as water damage caused by hurricane rain that was blown into your house and wasn’t actually caused by storm surge.
Insurance company claims adjusters are under a lot of pressure after hurricanes in Panama City. They might be new, inexperienced and tasked with handling hundreds of claims from devastated home and business owners.
They also have an incentive to either deny claims or justify paying out as little money as possible on repairs and replacement. Mistakes happen and hurricane damage gets overlooked or miscategorized, resulting in homeowners in Panama City getting paid far less than they deserve.
The Panama City property damage attorneys at Kanner & Pintaluga will fight to ensure that doesn’t happen to you.
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Roof Damage can be caused by several factors. Poor maintenance, age, storms or just season after season of normal wind and rain can turn minor damage into a major problem. Strong winds and hurricanes often result in damaged roofs in Florida.
Roof damage claims in Panama City can be complicated. The insurance company may try to deny your claim or pay less than you deserve by suggesting your failure to maintain your roof or catch roof damage sooner is why your repair costs are so high.
Windstorms can cause power lines to fall, electricity to go out and trees to get knocked over. Trees and downed power lines frequently fall on people’s homes or businesses, causing significant property damage. Wind can also cause significant roof damage or throw debris through your windows. In many cases your insurance should cover those losses.
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Water can cause serious damage to property and create the perfect environment for the growth of toxic mold that poses a serious health risk and renders a premises unusable. Insurance policies routinely cover water damage, but often exempt certain types of flood damage from coverage. Water damage can sometimes be miscategorized, resulting in policy holders getting unfair claim denials.
Lightning that hits near populated areas in Panama City can cause fires, building damage, appliance damage and in some cases, severe injuries. Until recently Florida was considered the lightning capital of the United States. Even at second place, we’re still no stranger to lightning strikes and the fires and property damage they can cause. Most property insurance should cover lightning-related damages. If your lighting damage claim is being denied, you may want to speak with a property damage lawyer in Panama City.
Vandalism occurs when an individual destroys or damages public or private property. Vandalism can take many forms, from spray painting graffiti to keying vehicles and everything in between. Vandalism can be hugely expensive for businesses and homeowners, which is why it’s important that these property damage claims be honored.
The effects of fire damage can be devastating and far-reaching. Fires often lead to smoke damage, water damage from firefighting efforts and even make a property dangerous to live in afterwards. The toxic particles left behind in a home or business may necessitate a complete tear down and significant rebuilding. The subsequent water damage can also lead to mold growth and other issues associated with flooding, which can be expensive to repair.
Smoke damage can be devastating to personal property, leaving black marks and discoloration on the walls and ceilings of affected properties. Soot is the residue left by the smoke, and it can permeate a home or business as well as all the belongings in the property.
Ice is roughly as hard as tin, lead or graphite. If your Florida home, business, vehicle or other personal property has been damaged by hail, our property damage attorneys can help ensure your insurance company compensates you fairly.