Charlottetown Property Damage Lawyers Stepping in When Disaster Strikes in Atlantic Canada

Accidents happen. As home and business owners, we purchase insurance to ensure that, when the unexpected happens, the damages sustained by our property will be covered by someone that cares. However, how much does your insurance really cover?

When your home is damaged due to flooding, wind, or some other disaster, you might already feel at a loss as to what to do. Then, if you find out the safety net provided by your home insurance doesn’t quite cover what happened, things get even worse. If you feel your insurance company might be denying you compensation for damages or losses that should be covered, contact the knowledgeable lawyers at NOVA Injury Law today.

No one should have to worry about legal troubles and fees while trying to make sure they still have a roof over their head. That’s why many of our clients are able to take advantage of a contingency fee agreement – if you don’t win your case, you don’t pay.

What is Property Loss? What is Property Damage?

Both property loss and property damage refer to claims you make with your insurance company relating to damage sustained by a property you own, such as a home or commercial property. These differ from our usual focus on personal injury law because they cannot be applied to injuries sustained by people; however, we believe that the loss of something like a home is just as much of an injury to a person’s well-being as a physical injury can be.

Some examples of property losses and damage that you might need to fight for include:

• Some natural disasters like floods and earthquakes – often require their own specialized coverage
• Water or Mold Damage
• Damage relating to Theft, Vandalism, or Unrest
• Extra Living Expenses if a Disaster makes your Home Uninhabitable

The specifics of how your insurance company handles loss and damage will be specific to your policy. It is recommended that you speak with a Property Loss and Damage lawyer if you are considering filing for losses and damages, especially if you are concerned that they will be contested. A lawyer will be able to help you determine what your damages are worth and accurately file all necessary paperwork in a timely fashion.

Why Was My Property Damage Claim Denied?

Sometimes claims will be declined due to forms being filed incorrectly; in other cases, information might be missing or not considered substantial enough to qualify for compensation. At the end of the day, insurance companies are aiming to make a profit – they are a business. That means they will have insurance adjusters and a team of their own lawyers working around the clock to make sure that as many claims as possible are denied.

Anyone who feels they have been treated unfairly by their insurance provider can call NOVA Injury Law for a free case review. You’ll learn if you have legitimate grounds for compensation for damages to property, what your next steps should be, and how we can help.

What Kinds of Compensation do Victims in Property Damage Cases Get?

While this varies depending on the specific facts of the situation, the general idea regarding damages is that the system should restore the value of the items or property that is no longer around or usable, including ongoing losses if you must expend extra resources to secure alternative lodging while your property is unlivable.

Some typical damage categories found in property damage or loss cases include:

1. Property damage caused by a defective product
2. Property damage or loss due to an unexpected event, like a storm or flood
3. Loss of valuables due to disaster or theft – including items like computers
4. Damage to a building from a motor vehicle accident
5. And many more…

While pressing a property damage case, it is important to keep thorough documentation regarding your personal property and expenses, especially those brought about by the accident itself. These records will go a long way in assisting your legal team with building a solid case.

Is NOVA Injury Law the Right Fit for My Property Damage Claim?

Aside from the free case review, the no-obligation consultation, and contingency fee agreement available for many types of claims, NOVA Injury Law is a proudly Nova Scotian law firm that offers something that other Atlantic Canadian firms do not – we are the only personal injury lawyers in Atlantic Canada with a doctor on the team.

If you have lost property to disasters or unexpected events and are struggling to get your insurance company to cover the damage, contact the veteran property damage lawyers of NOVA Injury Law today. For more information or to set up an initial consultation, you can reach us by calling 1-800-262-8104. Our team is available 24 hours a day, 7 days a week, to support you and your loved ones via email, text, Facebook messenger, and more.