Protecting Your Rights: Expert Property Damage Lawyers

At Vargas Gonzalez Baldwin Delombard, we are dedicated to protecting the rights and assets of our clients in property damage cases. Our experienced property damage lawyers in Orlando have a proven track record of success and are ready to provide you with personalized legal representation. We are committed to securing the best possible outcome for our clients. Contact us today for a free consultation, and let us guide you through the legal process.

Common Causes of Property Damage in Orlando

Various factors can cause property damage, including:

Hurricanes and Tropical Storms

Orlando, while inland, is still susceptible to the destructive forces of hurricanes. High winds, heavy rain, and flooding can cause significant damage to buildings, roofs, and landscapes. Insurance claims for wind and water damage can be complex and contentious.

Floods

Besides hurricanes, heavy rains and storm surges can lead to extensive flooding. Standard homeowners' policies typically do not cover flood damage, but you can add separate flood insurance policies governed by state and federal laws as an endorsement.

Sinkholes

Florida's geology makes it prone to sinkholes, which can cause sudden and severe property damage. Insurance coverage for sinkhole damage is regulated but often requires geological assessments and legal intervention.

Fires

Both accidental fires and wildfires can destroy homes and businesses, leading to total losses. Fire is a 'covered peril' in Florida, meaning homeowners receive compensation for damages minus the deductible. However, fire damage claims can involve exclusions and limits that require careful navigation.

Mold and Water Damage

Persistent humidity and water damage from storms or plumbing issues can lead to mold growth. Insurance companies often limit coverage for mold damage unless it results from a covered peril like a leak or flood. A property damage lawyer in Orlando can help negotiate or litigate disputes to ensure property owners receive fair compensation.

Lightning Damage

Lightning strikes, a common occurrence in Florida, can cause significant property damage and fires. For insurance purposes, lightning damage is defined as "generated electricity from the atmosphere" and can include electrical damage, property damage, and injuries to occupants.

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Legal Considerations in Property Damage Claims

There are various legal factors associated with property damage, including:

Insurance Policies

Understanding your insurance policy is critical. Policies vary in terms of deductibles, limits, and exclusions. Property owners should thoroughly understand their policies and the claims process. If an insurer denies or underpays your claim, consulting with a property damage lawyer in Orlando can be beneficial. Our firm assists with understanding your policy, gathering documentation, and filing claims properly to save time and ensure a better outcome.

Proof of Loss Requirement

Florida law requires a proof of loss statement for property damage claims. This legal document must be filed within a specific timeframe and includes detailed documentation of the damage and the loss amount. Missing these requirements can jeopardize your claim.

Mitigation of Damage

Property owners must take reasonable steps to mitigate further damage after an incident. This might involve covering a damaged roof to prevent additional damage or turning off water to prevent flooding. These actions demonstrate to your insurance company that you are taking steps to protect your property and support your claim.

Resolution of Disputes

Disputes between insurers and policyholders over property damage claims can be complex. Florida law offers several avenues for resolution, including mediation, arbitration, and litigation. Our experienced property damage attorneys in Orlando will advocate for you and guide you through these processes, ensuring you understand each step and feel confident in your decisions.

Statute of Limitations

Knowing the time limit for filing a claim or lawsuit related to property damage is essential. In Florida, the statute of limitations can vary depending on the type of damage.

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Protecting Your Property and Rights

To protect yourself, consider the following actions:

  • Review Your Insurance Coverage: Ensure your coverage is adequate and understand the exclusions and limitations.
  • Document Everything: Take comprehensive photos and keep detailed records of all communications with your insurance company before and after a loss.
  • Hire Professionals: Consider hiring a professional to assess the damage and provide a repair estimate. This can support your claim with an independent, expert assessment of the damage and its repair cost, which is crucial in negotiations with your insurance company.
  • Seek Legal Advice: If you face a significant loss or a dispute with your insurance company, legal assistance is crucial. Consulting with a first-party property damage lawyer in Orlando, such as those at Vargas Gonzalez Baldwin Delombard, can provide you with the necessary guidance and support during this challenging time.

Trust Vargas Gonzalez Baldwin Delombard to Fight for You

Remember, you are not alone in your fight for compensation after property damage. Vargas Gonzalez Baldwin Delombard is not just a legal service provider but a partner in your journey. Our team, with vast resources and experience, is committed to advocating for you, ensuring your voice is heard and your rights are protected. Call our Orlando property damage lawyers for help. You can also reach us in Miami or in Dallas. Additionally, we offer online contact options.

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