Property Damage

Serving Daytona, Deltona and Palm Coast

(updated 2/22/2017)

Property damage can come in all different shapes and sizes.  For instance, property damage can result from a car accident or even be the result of a natural disaster.  Whatever the cause, our attorneys can help you.

Property Damage Caused by a Car Accident

States around the country have enacted laws that require drivers to carry some form of auto insurance.  For instance, here in the state of Florida, motor vehicle owners are required to carry a minimum of $10,000 of personal injury protection and $10,000 of property damage liability (“PDL”) coverage. Property Damage Liability coverage covers an individual regardless of their fault, up to the limit of their policy.

This coverage will pay for damage that you or your family members cause to other people’s property as a result of a motor vehicle accident. The purpose of the law requiring this coverage is to ensure drivers take responsibility for an accident that involves their vehicle.  This law must be strictly adhered to.  Failure to secure insurance coverage for your motor vehicle could result in your driving privileges being suspended for up to three years. Being involved in a motor vehicle accident is traumatic in and of itself. 

Our property damage lawyers can help you navigate the murky waters of insurance negotiations. For instance, you should know that a defendant’s insurance company is responsible for storage and towing fees if you have to have your vehicle towed from the scene of an accident. Additionally, it is also helpful to know that you can claim property damage for items outside of your vehicle. For example, if your bike rack is damaged, you can file a claim for it.  If you break your eyeglasses during an accident, you have a right to file a claim for that as well.

Property Damage Caused by a Natural Disaster

Your property may also be damaged due to a natural disaster. For instance, water damage, flood damage, and fire damage all result in damage to property. Water damage is likely to result after a hurricane and can cause a slew of problems, such as mold, mildew, rust, or even rotting wood. Additionally, hurricanes can cause extensive damage to your property.  Windstorm damage can be just as severe. It's important to work with a property damage lawyer that knows the laws requiring insurance companies to cover certain types of damage.Insurance companies are interested in protecting their bottom line.  

If you observe what you believe to be damage to your property, be sure to document it extensively.  Take photographs, keep a diary of dates, document the names and times you speak with individuals from your insurance company, and be sure to report the damage immediately. The statute of limitations (time you have to file a legal action) for filing an action for property damage in Florida is 5 years. No matter how your property damage was caused, you may need an attorney to help you negotiate with an insurance company.

If you or a family member has a claim for property damage we can help you. A property damage lawyer from our firm will approach your problem with experience, skill and expertise to ensure you are compensated sufficiently. Contact us at (386) 777-7777 or fill out our online contact form below for a free case evaluation. Get the compensation you deserve.

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