Articles Posted in Property Damage

By The Perazzo Law Firm

The purpose of an insurance policy is to protect the policy holder in the event of a loss, damage or injury that the policy holder is unable to afford. In exchange for payment the insurance company agrees to cover certain losses or injuries.

As our loyal readers know, we have published many articles in the past explaining the insurance claim process and what to do when the insurance company wrongfully denies your claim. However, at times, the insurance company will acknowledge coverage and offer payment without the policy holder having to resort to a protracted litigation process. Unfortunately, the insurance companies do not always offer payment in the interest of the policy holder and instead pay to repair the damage in order to protect their own rights.

By The Perazzo Law Firm

We are in the middle of the season of giving. Gifts are exchanged between family members, friends and co-workers. Some of the most popular presents for the holidays are technological gadgets meant to entertain us in our homes. Modern electronics consist of sophisticated parts manufactured by any number of companies. A defective electrical device can cause a fire and a serious personal injury. However, improper use or faulty installation can also play a part in the cause of the property damage or personal injury.

In cases of damage from a defective product several parties may share liability. Primarily, the liability may lie with the manufacturer of the product that malfunctioned. The theory of recovery in these cases would point to defective manufacturing process or defective design.

By The Perazzo Law Firm

Our homes tend to be our most valuable asset as a place to live as well as an investment for retirement. It is natural to want to insure your valuable asset. However, when a home suffers damage, most homeowners fail to report the loss to their insurance companies simply because they do not believe a loss may be covered. Some make a claim but fail to go any further when the insurance company rejects the claim. When your home suffers damage, it is important to consult a professional to find out your rights under the policy.

A large portion of homeowners dealing with damage fail to report it because they do not believed the loss is large enough or do not know it may be covered by the policy. Some homeowners attempt to make repairs themselves or hire a professional to make the repairs. When renewing your policy, the insurance company may want to inspect your property and may be less likely to renew the policy or may do so at a higher rate when previously unreported damage is discovered.

What To Do After A Hurricane Damages Your Home

By The Perazzo Law Firm

When your property suffers damage, you hope to rely on your insurance company to help restore your family home. Unfortunately, it is not always as easy as making a phone call to your insurance company.

What to Do After Your Home is Damaged by a Hurricane

By The Perazzo Law Firm

Losing a home can be devastating to any family. During this hyperactive hurricane season, knowing your rights is very important. However, suffering any damage to ones home can be difficult when your insurance claim is denied even though it should otherwise be a covered loss. The best solution is always preparation. In anticipation of any damage to your home, we recommend planning ahead by setting aside your policy, contact information for your insurance company and adjuster, a qualified repair specialist for any type of damage that may occur (i.e. plumber, roofer).