Loveland Property Damage Attorneys

Property damage insurance covers physical damage to your property caused by events such as fires, storms, vandalism, and accidents. Depending on your policy, it may also cover personal belongings and additional living expenses if your home becomes uninhabitable.

To file a claim:

• Document the damage with photos or videos.
• List all damaged items and their approximate value.
• Contact your insurance company to report the incident.
• Cooperate with the adjuster to assess the damage.
• Submit the required documents and wait for approval.

You should file a claim when the cost of repairs or replacement exceeds your policy deductible. Filing small claims might not be beneficial as it could impact your premium.

Contact our office to learn more.

The timeline varies based on the severity of the damage and how quickly you provide the required information. Minor claims may be resolved in a few weeks, while complex cases could take months.

Filing a claim may increase the premium, especially if you file multiple claims quickly. Insurers assess risk based on claim frequency, so it is wise to reserve claims for significant damages.

If your claim is denied, review the denial letter and policy to understand why. Gather additional evidence, such as repair estimates or invoices, and contact your insurer for clarification. You can dispute the denial if you believe the decision was incorrect.

Public adjusters are independent professionals who help you handle your insurance claim. They can be helpful for large or complex claims, ensuring you receive a fair settlement. However, they typically charge a percentage of your payout

Standard property damage insurance policies typically exclude floods and earthquakes. Separate policies or endorsements are needed for coverage against these specific risks.