Homeowners’ Insurance Claims
Homeowners’ insurance prevents you from losing substantial value on what is likely your most important investment – whether that’s a house, townhome, or condo.
Homeowners rely on these insurance policies to protect their investment in the event of an unexpected disaster. But insurance carriers often fail policyholders by engaging in bad faith practices to avoid paying out on your home damage claim.
Residential Property Damage Overview
- What Does Bad Faith Mean?
- Types of Residential Property
- Types of Home Property Damage
- Common Problems with Insurers
- How Our Attorneys Can Help
- Who We Help
- Contact a Residential Property Damage Attorney Today
What Does Bad Faith Mean?
Bad faith is the legal term applied when an insurance company handles an insured policyholder’s valid claim dishonestly or unfairly. Examples of bad faith conduct can include:
- Refusing payment for a valid claim
- Denying a claim for no reason
- Offering to pay homeowners less than a claim is actually worth
Types of Residential Property
Dealing with insurance and trying to rebuild your house at the same time can be overwhelming.
Our attorneys have helped hundreds of homeowners in similar situations, and we are equipped to handle the claim your residence may encounter, whether you have a:
Where your house has been completely destroyed and you need to rebuild from the ground up as quickly as possible.
Where your house has sustained damage but does not need to be rebuilt from the ground up. You may need to fix a roof, walls, flooring, or some other part of the residence.
A roof can be a complicated and expensive part of your house. Unfortunately, many insurance companies simply refuse to pay for legitimate damage to roof systems.
A catastrophic event in your condominium may involve:
- Damage to shared walls between condos
- Water damage from windows, the roof, or other units
- Electrical damage
- Damage to the HVAC and air conditioning systems
When your insurance company does not act quickly or fairly, your family or business may suffer.
If the insurance actions are in bad faith, you may be able to recover not only the costs of repairs and replacements covered in your policy, but also other costs incurred due to their dishonest actions.
If your townhome has been destroyed or is severely damaged after a disaster, you must get the compensation needed to repair or rebuild your property.
After a loss, common problems affecting townhome claims are:
- Damage to the shared wall between your townhome and adjacent townhomes
- Damage from water entering through the holes in the roof or sides of the property
- Mold damage
- Electrical damage
- Damage to roof systems that require extensive repair or even replacement
- Damage to air conditioning and heating systems
- Long-term damage to the slab or foundation
While it can be intimidating to pursue a claim for townhome property damage against a large insurance company on your own, an attorney can help guide you through the claims process.
The insurance claims attorneys at Raizner Slania have extensive experience dealing with large insurance companies and the knowledge to deal with the complex issues involved in insurance law.
Whether your townhome has suffered a partial or total loss, we will help you fight for the compensation you deserve and obtain the best possible outcome for your claim—not a minimal, low-ball, or “halfway” settlement.
Types of Home Property Damage
When a tornado, hurricane, fire, earthquake, hailstorm, or any other weather event damages your home, the last thing you want to worry about is whether your insurance company will pay out on your home insurance claims to ensure your home is repaired.
Below are some of the most common types of property damage homeowners experience.