Property damage is the physical injury to tangible property which affects its use. In Rhode Island, properties have a high risk of destruction due to man-made causes or the harsh climate in the area.
For this reason, individuals take up insurance to protect themselves from the loss incurred depending on the value of the insured property. However, insurance companies may fail to pay the aggrieved party or underpay the claim. Assistance from property insurance claim lawyers can enlighten what you should receive, why, and how.
It is best to contact a resourceful New Haven property damage lawyer such as PALUMBO LAW to represent you throughout the settlement process using all the property claims data needed in your case.
Property Damage Claims
Here are the common property damage claims in Rhode Island that occur.
Fire Damage
Fire damage to property is one of the common claims in Rhode Island. It leaves the plaintiff terrified and at a financial loss due to the destruction of valuable property. Besides the damage to items, fire can cause psychological conditions such as post-traumatic stress disorder, hence the need for proper legal counsel.
There are different causes of fire damage to property. Some of them include; cooking, electrical fire, candle lighting, and smoking. In fact, the risk is higher during winter in Rhode Island due to the need for heating equipment to create a warm and cozy environment.
Roof Collapse
Rhode Island can sometimes face harsh weather conditions, especially during the cold season. The ugly winter storms can lead to property damage since they accumulate ice and snow on people’s roofs.
While a small amount of snow is light, a substantial pile can get too heavy, leading to roof collapse. Therefore, it is crucial to remove snow from your roof regularly. Still, a property insurance claim lawyer can help an individual receive fair compensation in case of a roof collapse.
Water Damage
Water can be a significant threat to the property since it damages household belongings, affecting their use. It can be gradual, like a leaking sink in the bathroom or a burst pipe due to natural factors such as frozen piping. Also, water damage caused by storms, roof leaks, or fire incidents is a frequent property claim in Rhode Island.
Ice Dam
An ice dam is a block of ice that prevents melting snow from flowing freely off the roof. The restrained water can lead to a roof leak, damaging the ceiling, walls, and insulation. If such an incident happens, the insurance company must compensate the plaintiff for the loss caused by ice dam damage.
Vandalism and Theft
Vandalism and theft are rampant in Rhode Island. And while they might happen together, they are very different. Vandalism is intentionally destroying someone’s property and theft is simply breaking into property intending to commit a crime. Once these incidents occur, it is best to find law professionals since property insurance claims data needs property insurance claim lawyers for a successful settlement from the insurance company.
Mold
Mold is also a prominent type of property damage claim in Rhode Island since it is one of the coldest places in the United States of America. They can destroy property in damp places, homes, or businesses that have had water damage.
In What Circumstances Would a Property Insurance Claim Be Rejected?
Property damage can lead to financial constraints for the aggrieved party, and a rejected claim can take a toll on an individual. Knowing the circumstances under which a claim can be denied and dismissed is crucial. Some of these reasons include; missed premiums, inadequate documentation, delayed claim filing, suspicion of fraud, policy conditions not met, and withholding of critical information by the plaintiff.
Luckily, finding a dedicated property damage claim attorney can help an individual to file the claim on time and follow the laid out conditions by the insurance company. The PALUMBO LAW will ensure you get fair and just compensation if you are looking for help with your property damage claim. Our New Haven property damage lawyer will be there every step of your way.