Property Damage Claims

Campione Law specializes in advocating for clients with new, underpaid, or denied insurance claims. Whether it’s guiding your claim from inception to resolution or stepping in to rectify undervalued or rejected claims, we ensure you receive the full compensation you’re entitled to. Don’t settle for less than you deserve from your insurance provider, and don’t accept a claim denial without exploring your options with us.

We all expect our homeowner’s insurance policy to provide coverage when the unfortunate happens. However, when the damage is done and you are in your hour of need, some homeowners are told their claims are denied, or in many cases, homeowner’s claims are underpaid forcing the homeowner to come out of pocket to repair what the homeowner thought was covered damage.

Over time, insurance companies have modified their agreements to minimize their loss exposure in the event of an act of God or someone’s negligence. It can be frustrating and devastating to be stuck with large bills only after spending years of paying inflated premiums. When you finally need your insurance company, they may not be there for you. We can help you push that claim through.

If you have made a residential property insurance claim and have been disappointed by your insurance company, we may be able to help. We approach your claim with a teacher’s mentality first, informing you, the homeowner, of your rights under your policy. Secondly, offering aggressive representation to fight for what you may be owed.

Whether water damage to your property has resulted from a leakage after a heavy rain or a busted pipe or water heater your insurance policy likely provides coverage. Even worse, this water damage could lead to a serious health threat in the form of bacterial development and mold and fungi infiltration. Water damage often requires extensive mitigation efforts that can be costly; don’t be fooled to think you have to cover these expenses or accept payment that would only cover a partial substandard repair.

In our experience, these are some of the hardest fought claims by insurance companies as most insurance policies include loopholes, limitations, and conditions they use when attempting to deny your claim or limit your claim to a “covered loss”.

If your roof has wind or hail damage, we can likely ensure that your roof is replaced through your policy at no cost to you other than the payment of your deductible. This translates to a new roof for the policyholder at an out of pocket cost of $500 – $1000 in most circumstances (depending on your deductible). Many homeowners have been made to believe that roof damage is only covered in the event of a hurricane. This is a common misconception. Often roof damage warrants a full roof replacement under your policy. Before you agree to a partial roof repair, give our office a call and we will have our engineer evaluate your roof to determine if a full roof replacement is warranted at no cost to you.

Hurricanes have the ability to destroy homes and entire communities in just a few hours. The sudden loss of property and the emotional toll can be devastating, but having a homeowner’s insurance policy should offer some peace of mind if the policy covers hurricane and tropical storm damage. We as homeowners agree to pay a higher deductible in exchange for the assurance of knowing our property damage will be covered when a hurricane strikes. But what happens if your insurer tries to deny your claim? You could end up being victimized twice through no fault of your own. Insurance companies are in the business of making money and are often motivated to deny claims or pay out as little as possible after a hurricane strikes. These claims are handled on a contingency basis, meaning we can handle your claim from start to finish with no out of pocket expense to you. We will have our engineers and experts evaluate your property to ensure that there is no underlying damage beyond the obvious damage to the exterior of your property.

Fire damage resulting from an electrical failure, gas leak, lightning, cooking accident, arson, candle or incent knock-over, appliance malfunction, or other cause is likely covered by your insurance policy. Furthermore, water or monoxide damage that follows firefighting efforts can further ruin your property, requiring vast repairs and replacements.

Whether the fire originates in your home, garage, or office we know how damaging a fire can be. Our attorneys will review your policy to ensure all available coverage is recovered including your loss of use. Let us advocate on your behalf when your insurance company does not pay what you need to repair the damage or replace your personal property.

If you are a business owner you likely have a commercial general liability insurance policy. Many of these policies afford coverage for a “business interruption” that may afford coverage for any losses you may have sustained due to any damage or lost income that result from the COVID-19 pandemic and ongoing civil regulations.

This is an emerging field of property damage law that is more relevant today than ever. Our attorneys will review your insurance policy, at no charge, to determine whether your specific policy language may afford coverage. Whether a covered loss exists will require a close examination of your policy and the facts of your claim.