Wintertime can be tough on your home or business, and property damage claims are not uncommon. But some claims are less common or that you may need to be made aware of.
An experienced New Haven property damage lawyer can help you navigate the claims process and ensure you get the compensation you deserve.
Let’s take a look at some of the less common wintertime property damage claims. We’ll also provide tips on filing a claim and how your attorney can help if legal issues arise.
Wintertime Property Damage Claims
As the winter season approaches, it’s important to be aware of the different types of property damage that can occur. Some of the most common property damage claims during winter include:
- Snow Damage
- Hail Damage
- Fallen Trees
- Power Failure
- Flooding
As the weather gets colder and winter approaches, it’s important to be aware of potential property damage. Some types of damage are more common in winter, while you may have yet to learn others.
Here are some uncommon property damage claims that you may not know about:
- Asphalt Damage – You can replace, patch, or resurface asphalt that has been damaged in this way, but it will cost you money. Keep in mind that asphalt can only be fixed or replaced when it’s warm outside. It’s also important to clear the snow or ice off the asphalt in front of your business properties.
- Insulation – Without the right insulation, freezing or below-freezing temperatures can cause damage to your home. Pipes can freeze. There are more health risks; you can’t filter out dust and smells properly. Before winter comes, make sure your building has enough insulation.
- Plumbing – When the water in pipes freezes, it expands, which could lead to cracks. The last thing you want is your pipes to break and cause water damage. Make sure your pipes don’t freeze in the winter by taking preventive steps.
- Roof Damage – Winter damages roofs often. Snow, hail, or sleet might cause your roof to collapse. Fixing a caved-in roof can be expensive, so be sure yours is sturdy. Get your roof inspected to ensure it can take snow and ice loads.
Why You Need Property Damage Help
If you have property damaged, it is important to understand how to file a claim and your options if legal issues arise.
Your first step should be to contact your homeowners insurance in RI to begin the claims process. It is important to document the damage with photos or videos and keep any receipts for repairs that you have already made.
Once you have filed your claim, your insurance company will send an adjuster to inspect the damage and determine the coverage to which you are entitled.
If you disagree with the insurance adjuster’s decision, or if your claim has been denied entirely, you may need to consult an experienced lawyer.
Your insurance company is not your advocate. The best way to prevent your property damage insurance claim from being denied is to have an experienced property damage lawyer on your side.
Your attorney can help you navigate the complex legal process and ensure you receive the compensation you deserve.
When hiring an attorney can keep you away from two things:
- Saying the wrong thing to your insurance company could result in a denial,
- If they believe your claim will be denied, they can deter you from calling them.
Call our Cranston, RI, property damage lawyers at PALUMBO LAW today if you need representation concerning homeowners insurance in RI.