Common homeowners and commercial property damage claims

At Mehr Fairbanks Trial Lawyers, we understand the wide range of homeowners and commercial property damage claims that people often encounter. Some of the most common insurance claims involve losses due wind, hail, water, or fire. These common scenarios often result in distressing losses.

Wind Damage

Wind can cause severe damage to a property, particularly during storms or tornadoes. High winds can wreak havoc on roofing materials, windows, doors, and even entire structures. At Mehr Fairbanks Trial Lawyers, we strive to address our clients’ concerns and formulate strategic legal approaches to handle these cases.

Hail Damage

Hailstorms are often associated with sizeable property damages, ranging from roof shingles and flat roofs, damage to the breakage of windows, to other exterior damages like siding. Insurance claims related to hail can be quite complex, but with our team’s professional guidance, we would help navigate this process effectively.

Water Damage

Water damage is a widespread issue that arises from various sources such as leaks, freezing, pipe overflows, floods, or even extreme weather conditions. It can cause substantial property damage if not addressed immediately. At Mehr Fairbanks Trial Lawyers, we assist clients in understanding their rights and the steps necessary to claim the loss from their insurance company.

Fire Damage

Fire incidents can lead to colossal losses, affecting the structure and interiors of a property, plus potentially resulting in additional smoke and water damage. Claims involving fires require diligent investigation. We are committed to ensuring that our clients receive fair evaluations and compensation for their losses.

Is Your Claim Covered?

Insurance policies can appear daunting given their technical terminology, lengthy documents, and unfamiliar nuances. However, understanding these terms is essential for both homeowners and businesses. This understanding comes in handy particularly when making property damage claims.

Insurance coverages work on the premise that not all damages are alike. This principle forms the basis of differentiating between damages covered under homeowner insurance policies and those covered under commercial property insurance policies.

Homeowner insurance policies typically cover damages which can include covering losses due to wind, hail, water, and fire. However, the extent of the coverage, policy limits, and deductibles can significantly vary. For instance, certain types of water damage may be covered, yet damage from flooding might not be. Fire damage is usually covered, but if it is due to an intentional act, you are likely out of luck. Water damage in your home? It may not be covered if it was continuous leakage or seepage from a home appliance.

On the other hand, commercial policies have similar categories of damages but with different layers of complexity. These policies cater to a business’s multi-faceted needs, adding to the complexity. Depending on the policy, it may cover interruption of business operations, repair or replacement of special equipment or machinery, etc., aside from standard coverage of the building due to wind, hail, water, or fire.

With both types of policies, it cannot be stressed enough that the understanding of terms, conditions, and the fine print of insurance policies is crucial to ensure appropriate coverage.

If you have suffered a property loss or are facing difficulties with coverage disputes, please contact Mehr Fairbanks Trial Lawyers at (800) 249-3731. We are dedicated to helping our clients navigate through complexities, ensuring they are treated fairly by the insurance companies during their time of need.