Your Rights, Steps, and Support

When faced with the daunting task of dealing with damage from natural disasters, understanding your rights and the steps you can take with the help of property insurance claim lawyers can alleviate your stress. Our law firm is here to provide that relief. We work with our clients every step of the way, ensuring they feel supported and reassured.

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Understanding Your Policy

Before filing a claim, it's crucial to understand your insurance policy’s terms, conditions, and the coverage it provides. Key areas to focus on include:

  • Coverage Limits: Know the maximum amount your policy will pay for different types of losses.
  • Deductibles: Understand how much you must pay out of pocket before your insurance coverage kicks in.
  • Exclusions: Know what your policy does not cover to avoid surprises during the claim process.
  • Obligations: It is important to understand your obligations in the claim process. If you don't submit the right form or respond correctly, your claim can be denied.
  • Time Frame: Most policies have a strict time period for reporting your claim. If you miss the deadline, your claim could be denied.

Steps to File a Claim

Filing a property insurance claim can be difficult when you try to do it alone. Filing a property insurance claim involves several key steps, such as:

  • Immediate Action: If safe, take immediate steps to prevent further damage, such as covering broken windows with plastic sheets or turning off the main water supply in case of a leak.
  • Documentation: Photograph the damage and compile an inventory of affected items.
  • Notification: Inform your insurance company about the damage as soon as possible.
  • Claim Forms: Fill out the necessary claim forms provided by your insurance company. 
  • Insurance Adjuster: An insurance company representative inspects the damage to assess the claim. They will prepare a report detailing the extent of the damage and the estimated repair cost. The insurer then issues a payment based on their report. Often, the insurance company will not share the inspector’s findings.
  • Estimates: Obtain repair estimates from reliable contractors to support your claim.
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Common Challenges in the Claim Process

Handling a property insurance claim is not always easy. Policyholders often encounter several challenges, such as claim delays due to a high volume of claims after a natural disaster, underpayment by insurers who undervalue the cost of repairs or claim denials based on interpretations of the policy language or the circumstances of the damage.

Claim Delays

Insurance companies can slow claim processing, causing frustration and uncertainty.


Insurers might offer compensation less than the actual cost of repairing or replacing damaged property.

Claim Denials

Claims can be denied based on interpretations of the policy language or the circumstances of the damage.

Property Damage Services Vargas Gonzalez Baldwin and Delombard Provide

There are various types of property damage, and our firm provides legal assistance for all of the following:

  • Business Interruption 
  • Fire Damage
  • Hail Damage
  • Hurricane Damage
  • Lightning Damage
  • Mold Damage
  • Plumbing Leaks
  • Storm Damage
  • Roof Damage
  • Sinkhole Damage
  • Water Damage
  • Wind Damage
  • Tornado Damage
  • Burst Pipe Water Damage (frozen/thawed in TX)
  • Vandalism Damage
  • Freeze Damage
  • Crop Damage

How Property Insurance Claims Lawyers Can Help

Experienced lawyers can be instrumental in helping you deal with the complexities of filing and settling insurance claims. Here's how they can assist you:

Understanding Your Policy

Understanding the policy is essential when filing a claim. Your property insurance claims lawyers will evaluate the policy to provide insight into coverage, exclusions, and limitations. They will also explain terms so you understand the occasional legal jargon.

Assessing and Documenting Damage

Lawyers can help determine the extent of property damage. They will also ensure that the damage supports your claim and document it.

Filing the Property Insurance Claim

Your attorneys will file the claim within the deadline. If this does not happen, your claim may not proceed. In addition, the longer it takes to file, the greater the chance of delay or denial.

Negotiating With the Insurance Company

Your lawyers will use their experience to seek a fair settlement. Sometimes, they will address disputes or disagreements with the insurance adjuster, such as disagreements over the extent of the damage or the cost of repairs, to ensure your claim is fair. If the insurer denies the claim, the attorneys will file an appeal. They will also challenge any underpayment by the insurer to ensure you receive the total amount owed.

Litigation in a Property Insurance Claim

If negotiations are unsuccessful, your attorneys can file a lawsuit against the insurance company. The insurer will be less eager to pursue a court trial if they feel your advocate is unafraid to take the matter to court.

How Do Lawyers Protect Your Rights

Bad faith practices by the insurer are standard in some areas, such as unjust delays in processing claims, failure to investigate, or misrepresentation of policy terms. Your property insurance claim attorneys will protect your rights immediately, ensuring the insurer acts in good faith. Your lawyers will use their familiarity with state laws and regulations and experience with local insurance companies to hold them accountable.

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Vargas Gonzalez Baldwin Delombard Help You Get the Compensation You Deserve

Vargas Gonzalez Baldwin and Delombard will represent you on a contingency basis. This means we receive no fee until you win your case. We also offer a free, no-obligation case evaluation to get you started. Our attorneys, with their extensive experience and deep understanding of property insurance claims, work to increase the chances of a successful and fair settlement. We are committed to ensuring you receive the compensation you deserve for your property damage.

Our expertise and resources are at your disposal, instilling confidence in the outcome of your case. Call Vargas Gonzalez Baldwin Delombard anytime. Our lawyers have years of experience and will provide a comprehensive legal analysis. We can answer any questions about your case and provide the best strategy to ensure the best possible outcome.

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Business Interruption

Business Interruption

One major frustration for small and mid-sized business owners is the interruption of their ability to serve the public. Disasters like hurricanes and floods can halt business operations completely, often for an unpredictable duration.

house on fire
Fire Damage

Fire Damage

A fire can obliterate in minutes what a property owner spent a lifetime building. The aftermath extends beyond a charred structure to include water damage and the loss of clothing and other household items.

car in a hail storm
Hail Damage

Hail Damage

Hail can cause significant property damage, leaving owners stressed and financially burdened. However, the aftermath of a hailstorm doesn't have to be overwhelming.

palm trees on a beach blowing in the wind
Hurricane Damage

Hurricane Damage

When a hurricane strikes, the resulting property damage can be overwhelming. For residents, the expertise of a hurricane damage lawyer is not just crucial—it's a lifeline.

lightning storm
Lightning Damage

Lightning Damage

Lightning strikes can cause extensive property damage, including fires and structural harm, making insurance claims challenging. Our experienced lightning damage lawyers are adept at negotiating with insurance companies to help you receive the compensation you deserve.

man inspecting mold on a wall
Mold Damage

Mold Damage

Mold, often caused by plumbing leaks or flooding, can result in extensive property damage. Financial recovery for mold damage depends on several factors.

buckets under a leak in a house
Plumbing Leaks

Plumbing Leaks

Plumbing leaks can cause significant property damage and financial burdens. Homeowners often face challenges shouldering the cost of repairs.

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Property Damage

Property Damage

Whether property damage occurs due to a hurricane, hail, or another catastrophic event, you may be entitled to compensation for your loss. This ability empowers you to take action and protect your interests, ensuring you are not left to bear the financial burden alone.

storm rolling in to a neighborhood
Storm Damage

Storm Damage

Storms are common in many areas, often resulting in extensive damage and costly repairs. The aftermath of hurricanes and other natural disasters frequently involves complicated insurance claims and legal disputes.

house with a hole in the roof
Roof Damage

Roof Damage

Natural disasters and unexpected events often cause roof damage, leading to astronomical repair costs. Consequently, homeowners turn to roof damage lawyers for help with insurance issues.

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Sinkhole Damage

Sinkhole Damage

Sinkhole damage concerns homeowners and businesses due to the high risk of injury and devastation. Recognizing the financial and emotional toll, a sinkhole damage lawyer strives to secure fair compensation for their clients.

tornado in field
Tornado Damage

Tornado Damage

Tornadoes are a frequent and destructive natural phenomenon in many areas, leading to significant damage and expensive repairs.

flooding around a house
Water Damage

Water Damage

Water damage can devastate any property, causing significant financial and emotional stress for homeowners and business owners. In areas prone to heavy rains, hurricanes, and flooding, the risk of water damage is particularly high.

palm trees in front of a beach house being blown in the wind
Wind Damage Claims

Wind Damage Claims

Wind damage disrupts lives and presents numerous challenges for homeowners, particularly when it comes to insurance claims. Filing wind damage claims is essential for a swift and fair recovery.

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