Property damage can happen to your home in several ways. One form of property damage is by a negligent driver crashing into a home. But, in places like Florida, property damage can happen because of severe weather conditions, like wind, hurricane damage, or intentional acts like theft. The lawyer at Florida Home Claim recommends filing a property damage claim after the damage is done to your home.
When filing a property damage claim, there is a specific time frame on when you can file your claim and where you need to file your claim.
We have got the details below to help ensure you make your property damage claim process on time and in the right way.
When Do I File a Property Damage Claim?
Ideally, you want to file your property damage claim as soon as possible after the damage has been done to your home. You will file your property damage claim with your homeowner’s insurance or renter’s insurance company. You want to file your claim as soon as possible because it is easier to defend your claim with evidence of something that has happened recently than trying to prove evidence that has occurred a while ago. Although, an experienced lawyer may be able to help you prove your case even if you are filing it some time later.
Even though you should file your property damage claim as soon as possible after the incident, the deadline to file your property damage claim is four years from the occurrence. The four-year deadline applies to damage caused to a home from a construction job, damage caused by vehicles, and damage caused by another party’s negligence. Negligence has to do with the carelessness of someone else that causes damages to another person or property. The statute of limitation of four years applies to personal injuries and property damages in Florida.
There are instances where the four-year deadline can be extended if the party responsible for the damage was out of the state for the four years, if the person hides or conceals their identity, or if the person is a minor.
Where Do I File a Property Damage Claim?
When filing your property damage claim, you will want to file it with your insurance company. The insurance company can be your homeowner’s insurance or renter’s insurance company. If a vehicle has damaged your home, you will file an insurance claim with the driver’s car insurance company. You can make your claim by calling your insurance company, although some companies have the option to file a claim through their website. It may be wise to hire an experienced lawyer to help you when dealing with the insurance company. That way, you have the best chance of receiving the maximum amount of compensation owed for the damage to your home.
Filing a property damage claim does not have to be confusing or stressful. Getting the help you need is always an excellent decision for things to go seamlessly.