Types of Insurance Claims

Fire & Smoke Damage

Your home or business has been damaged by fire, and smoke and now you are faced with the overwhelming task of rebuilding and repairing. When fire damages your home or business it can be devastating. You’ve lost your home, or you have lost your livelihood. Even if the damage seems minimal, it can create hazardous, unhealthy conditions for your family or your staff. Smoke residue, namely soot is toxic, and may be hidden inside walls and ductwork, carpets, furniture, electronics and clothing.

Hurricane Damage

Living in South Florida means that hurricanes are a fact of life. Every season we prepare for the worst and hope for the best. When disaster does strike, Insurance companies send out adjusters quickly and try to settle fast, to the relief of homeowners and business owners, except this isn’t always in the best interest of the policy holder.

For instance, you have damage to your roof, so the insurance company offers a quick payment that seems generous to fix the roof, but is it?

Mold Damage

Mold can’t survive without moisture, making air-conditioned environments a perfect breeding ground, especially if your home or business has suffered any kind of water damage. Mold spreads quickly, often in as little as 24-48 hours and can contaminate not only your walls, but your carpets and clothing. When your business is affected mold can infect your business equipment, files and more.

Worse, exposure to mold poses health-related concerns such as allergic reactions, asthma attacks and eye and skin irritation.

Roof Damage

Roof damage can lead to significant problems including water damage, termite infestations, mold, and structural issues. Whether you are a business owner, homeowner, or renter, roof damage must be addressed quickly. It may be necessary to secure temporary housing or office space and in the case of a retail business inventory damaged goods and close your doors while repairs are made.

Theft & Vandalism Loss

When theft or vandalism happens, it can leave you feeling angry, singled out, vulnerable and worried it could happen again. In some cases, the resulting damage may be considered a crime scene. When a business is involved it may leave you, the business owner, and your employees temporarily without space to run your operations. Every minute you can’t operate your business is potentially lost revenue.

Wind Damage

Wind damage encompasses more than just hurricanes, and may include damage from tornadoes, thunderstorms, or tropical storms. When disaster does strike, Insurance companies send out adjusters quickly and try to settle fast, to the relief of homeowners and business owners, except this isn’t always in their best interest.

Water Damage

Water damage can be caused by acts of nature such as flooding, or mechanical failures like leaking pipes, and can lead to significant problems, especially when hidden inside walls, including termite infestations, mold, and structural issues. Whether you are a business owner, homeowner, or renter, water damage must be addressed quickly.

Condo & Homeowners Association Claims

If you live in a home that is part of a condominium or homeowner’s association, your residence and its contents can be damaged through no fault of your own. The damages can result from the negligence of your condominium or homeowner’s association failing to properly maintain and/or repair the exterior (i.e. roof, foundation, walls, etc. for a single family home or condo unit) or plumbing (i.e. common element drainage pipes behind the walls of condo unit). Challenging your condominium or homeowner association can be a daunting task. We at the Desir Law firm are experienced in handling property damages disputes between owners and their condominium or homeowner association. We strive to get our clients the compensation they deserve to make things right.

Other Types of Damage

Damage to real property such as homes and businesses caused by natural or man-made disasters aren’t the only types of claims we deal with. Other types of insurance claims we represent include damage to boats, commercial property, damage to properties within an association, and property that is insured or not.