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Accidents and disasters happen, we are here to help you recover when they do. Explore our property damage areas below.
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Professional appraisal of your fine art is is highly related to adequate coverage. Having your art professionally appraised will help enter it into the Art Loss Register. The Art Loss Register (ALR) contains up to date information on stolen, damaged, or lost antiques and collectibles. The ALR is a computerized international database operated by an independent company based in London that offers pre and post loss services.
Even if you only have a one or two pieces of art, make sure it has adequate coverage. Many limitations on home or condo insurance will often mean high value art is without adequate coverage, putting your treasures at risk.
Living in an area prone to severe weather and/or have a low slope or flat roof with asphalt shingles, you are considered high-risk for hail damage. Luckily, the majority of homeowners policies cover hail damage, mitigating the expensive nature of such repairs.
While hail can occur practically anywhere if natural conditions permit, insurers often may try to argue the damage suffered from a hail storm does not fit the conditions necessary for a claim. At Alexander Shunnarah Injury Attorneys, we fight for policyholders to hold their insurers accountable to fulfilling their promise to protect your property from damage, including damage occurring from hail.
Sinkholes tend to form in areas where underground water supplies, such as from an aquifer, dissolve rock—typically limestone. Sinkholes are formed under pressure, generally from extreme drought or extreme rains. Human activities can also be accounted for as contributing factors to the development of sinkholes.
According to the U.S. Geological Survey, sinkholes are especially common in Texas, Alabama, Missouri, Kentucky, Tennessee, Pennsylvania and Florida. Regardless of the risk, most property is insured without respect to the price of the land, and, therefore, most natural disasters on the land are not covered by homeowners insurance. This means that additional coverage is required to insure against sinkholes. However, in recent years, some states such as Tennessee and Florida are beginning to require insurers to offer optional sinkhole coverage.
There are so many things that can be put at risk by a wildfire including your home, vehicle, belongings, your business, and more. Each of these things affected by a wildfire may have different stipulations in order to make a successful insurance claim. An itemized list of belongings before the disaster may be required.
The U.S. Geological Survey reveals that 75 million Americans in 39 states are at significant risk from earthquakes, noting there were earthquakes of 4.0 magnitudes or greater documented in 23 U.S. states from the years 2002 to 2012.
Standard homeowner’s insurance policies do not include coverage in the case of an earthquake, so it is important to be proactive in aquiring additional protection. Much like sinkhole coverage, additional insurance must be purchased for adequate coverage of your home, with states like California recently mandating insurance companies provide optional earthquake coverage. The separate endorsement of earthquake insurance can either be supplemented onto your homeowner/renter insurance policy or purchased in the form of a stand-alone policy.
Hurricanes can be devastating, bringing high winds, extreme rain, and flooding. These natural disasters can cause massive damage to your home or business. Once the storm has passed, filing a hurricane damage claim will need to contain very specific information presented in order to lodge a successful claim. Alexander Shunnarah Injury Attorneys can help navigate this complicated claim process and maximize your settlement.
Being a victim of theft or vandalism can be an incredibly emotional experience. If you find that your property has been stolen or vandalized, contact your local authorities immediately. The majority of theft and vandalism cases are supported through the police reports filed at the time of the incident. It is crucial that authorities are contacted in the event of the incident to support theft and vandalism insurance claims.
The majority of theft and/or vandalism cases are covered under your homeowner’s insurance policy. It is up to you, the policyholder, to make sure that the authorities have all the necessary and accurate information pertaining to your theft and/or vandalism claim. Should you later discover further theft or vandalism than what was originally reported, contact the authorities, as well as your insurance provider and inform them immediately of the new findings.
Being prepared for each and every scenario will help you to rest easier throughout your theft/vandalism insurance claim process. In the case that your business is affected by theft and/or vandalism, you as a business owner may also qualify for a business interruption insurance claim.
High-velocity winds can cause severe damage to your property. Common windstorm claims involve roofs blowing off, trees falling on your property, fences blown down, and leaky windows. This type of damage can also bring hidden damages that aren’t realized upon the initial assessment of your property. Damage caused by wind is covered in most homeowners insurance policies, however there can be ambiguous exclusions or limitations which may cause your claim to be denied.
Everything from clothing to appliances to irreplaceable memories all can be lost to fire damage. Having a valid insurance claim denied after the fact only deepens the wound left behind.
When private property is damaged or taken for public use by the government, then the property owner needs to be compensated for the loss. This is known as inverse condemnation, per the 5th Amendment of the Constitution.
Tornados can leave complete devastation in their wake. A tornado is classified as a wind event in your homeowners insurance policy. Most homeowners insurance policies cover damage to your property and personal items from a tornado. We recommend you read through your policy to determine if there is a separate wind deductible that could include tornado damage. This separate deductible requires policyholders to pay a sum out of pocket before their insurance pays for the claim.
In the event your home is unlivable after a tornado, relocation or temporary housing expenses may be covered under your insurance policy. You should review your insurance policy to determine the extent of your coverage. If your insurer is delaying or denying your payment, contact Alexander Shunnarah Injury Attorneys to allow us to assist with your claim.
After wildfires, floods are the most widespread of all natural disasters. Approximately 90% of all U.S. natural disasters that have been officially declared by the President of the United States include a degree of flooding. Coastal areas are at particular risk, all areas are at some level of risk of flood and flood damage. Within the last five years, all 50 states have experienced some form of flooding or flash flooding.
Flood insurance covers both the building and its contents. Remember that it is absolutely crucial to know exactly what your insurance policy covers and what it does not cover. In the majority of flood damage cases, it takes 30 days for a flood insurance policy to become active.
Mold thrives in moisture-rich environments such as high indoor humidity, flooding, or a leaky roof or dishwasher. It hides in places you can’t see sometimes. It can cause serious illness and property damage. Mold contamination can also destroy your property and your contents.
Water damage is one of the most common reasons for filing an insurance claim with your carrier. While coverage typically excludes perils like flooding or sewage backup, a homeowners policy should cover other sudden or internal perils like a burst pipe. Your dwelling coverage protects against structural damage if it was inside the property. Other weather-related perils causing damage can also be covered under your policy.
Alexander Shunnarah Trial Attorneys is known nationwide for providing outstanding legal advice and excellent representation. We have recovered over $650 million in lawsuits involving 18 wheeler trucking litigation, wrongful death litigation, commercial vehicle litigation, motorcycle litigation, catastrophic litigation, and mass torts involving medical devices and bad drug litigation. Our prowess in the legal arena comes from our combined years of trial and complex litigation experience.
We founded our practice on the belief that the 7th amendment and the civil jury system is the best means to provide compensation to injured parties and deter wrongdoers from injuring others in the future.