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Has your property been damaged because of someone else’s actions or negligence? It’s an all-too-common woe, and the road to being compensated for those damages can be tricky. Not only do you have to calculate the cost of the damage, but you have to prove that the other party is at fault for it. A Greenville Property Damage Attorney can help you get back every dime you’ve lost to make the necessary repairs and replacements to get your life back on track.
Accidents are the most common reasons for property damage claims. Whether it’s a car accident, a house fire, or some other accident that causes damage to your property, you must determine the at-fault party to validate your claim and reach a settlement. If it were a car accident, the at-fault driver’s insurance company would be held responsible for the property damage you incurred.
A tree falling on your car, a wildfire damaging your home, or a tornado destroying your property are all examples of acts of God. Many insurance policies—including homeowner’s and auto insurance—provide coverage for damages incurred due to an act of God. Suppose you file a claim with your insurance company, and the claim is denied. In that case, a property damage attorney can help dig into your policy and determine if further legal action could result in compensation.
When someone willfully damages your property, whether it’s on your property or your vehicle, those damages can be costly to repair. Broken windows, damages from car theft, keyed cars, spray paint, and arson are all damages that could be covered under your insurance policy as malicious mischief or vandalism. If the offender is prosecuted for malicious behavior, there is often an order put in place for restitution which requires them to pay back the losses they caused.
Property damages from car accidents are often severe and costly. Not only does the car have to be repaired, but the value of the vehicle diminishes greatly after a collision. Damages that you can be compensated for after a car accident for which you weren’t at fault include:
South Carolina law allows you to seek damages for the reduction of value to your vehicle following a car crash. You may need to file a diminished value claim with the at-fault driver’s insurance company to receive this compensation.
Property damage claims don’t always result in settlement.
To get as much compensation as possible from your property damage case, be sure to:
A Greenville Property Damage Lawyer can take on the work of your property damage claim and pursue further legal action if your claim is denied.
When the insurance company denies your property damage claim, you can then file the claim through arbitration, which settles disputed property damage claims.
A panel of attorneys will review the details of the incident, including your records and any evidence, and determine:
Keep in mind that arbitration is not intended for personal injury claims. If your claim includes compensation for damage to property and bodily injury, it will not be handled through the arbitration process.
Navigating the muddy waters of a property damage claim can be stressful and unpleasant. A Greenville Property Damage Lawyer can do the legwork for you and give you back your time while getting you the compensation you are entitled to receive.
(which means we’re in this fight together)
Let’s face it — you have questions.
While South Carolina law does not limit insurance companies with a specific time frame for settling claims, “reasonable promptness” is required by the insurance provider. If you feel the at-fault party’s insurance company is dragging its feet unethically, a lawyer can help you file a “bad faith” lawsuit. This will ensure you get the compensation you deserve, plus penalties and interest.
Whether you’ve experienced damage to your home, property, or vehicle, you don’t have eternity to file a property damage claim. The statute of limitations in South Carolina for this type of civil claim is three years from the date of the incident. Once three years have passed, you will not be able to seek compensation for any damages.
An insurance adjuster’s goal is to lower the settlement amount you are paid or have your claim invalidated altogether. They are, after all, working for the insurance company, not you.
If an insurance adjuster contacts you, feel free to speak with them but avoid:
You can also have your property damage lawyer speak with the adjuster on your behalf.
South Carolina requires drivers to carry auto insurance. Liability insurance must have a minimum coverage limit of $25,000 for property damage caused in a single accident.
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