California Property Damage & Casualty Insurance Policy Law
Life presents many surprises. Catastrophic events, fires, natural disasters, and other events can cause substantial property damage. Thankfully, insurance is available to cover most of these unexpected events.
Generally there are two categories of insurance available:
Property Damage Insurance which covers the property owner from losses to their property. This type of insurance can include coverage for fire damage, flood damage, water damage, hurricane damage, earthquake damage, theft, vandalism, and even rioting. It is important for an insured to understand what is and is not covered by their policy and to make sure that they have purchased the coverage that they want. Not all property damage insurance policies are written alike, and many do not provide the adequate coverage for all of life’s surprises.
General Liability / Casualty Insurance which protects business and property owners from claims resulting from events and actions that have occurred on or from their business or property. This type of insurance may also include protection for claims from negligence, premises liability, professional liability,commercial vehicle accidents, slip and falls, fire, advertising liability, aircraft accidents, or watercrafts. Like property damage insurance policies, not all general liability and casualty insurance policies are written alike, so it is important for the insured to understand what is and is not covered to make sure they are buying the coverage that they want.
Many insurance policies are a hybrid and provide the insured a combination of both categories of coverage; they will protect the business owner from claims resulting from accidents on their premises and will also cover the property owner for damage and losses to their property. Homeowners Insurance Policies can also include both categories of coverage, they can reimburse the home owner for damage or loss to their home and furnishings and they can cover guests that are injured fromaccident on their property.
Hire An Experienced California Insurance Claim Attorney
Regardless of the type of claim you have, it is important to understand that the insurance adjuster works for the insurance company and does not necessarily have your best interests in mind. Many claimants are surprised to find out that after years of paying their premiums, their insurance company uses aggressive tactics to minimize or wrongfully deny their claim. Insurance Adjusters have only one job and one responsibility: to pay as little as possible on the claims.
Our Experienced California Property Damage Claim Lawyers Understand The Complexities Of A California Property Damage Claim
Insurance adjusters will often undervalue your claim and many cases search for excuses to deny your claim. One tactic that insurance companies use to wrongfully deny claims is to bully the claimants into providing multiple recorded statements and unnecessary authorization forms. It is important to consult with a lawyer as early in the claims process as possible to ensure that no mistakes are made in prosecuting your insurance claim.
Insurance Companies employ armies of investigators, experts, and other professionals to protect their “bottom line.” You need an advocate on your side that is familiar with the insurance claim process, to ensure you get the maximum recovery for your California Property Damage Claim. An experienced California Accident Claim Lawyer at the B&D Law Group, APLC will fight to make sure you are adequately compensated for your California Property Damage Claim.
Our Experienced California Insurance Claim Attorneys Know How To Get You The Maximum Recovery For Your California Insurance Claim
The experienced California Insurance Claim Attorneys at the B & D Law Group, APLCcan assist you in getting the maximum recovery for your lost property, lost profit, lost income and wages, medical bills, property damage, and other related costs you are entitled to for your California Insurance Claim. You do not have to go at it alone.
Our skilled California Insurance Claim Attorneys can help you with all types of insurance claims, including:
- Property Damage Accidents
- Fire Damage Claims
- Flood Damage Claims
- Aircraft Accidents
- Slip and Fall Accidents
- Premises Liability Accidents
- Retain Store Negligence
- Bad Faith Denials
- Insurance Bad Faith Claims
- Assault and Battery
- Dog Bites & Attacks
- Inadequate Security
- Municipal Liability
- Restaurant Liability
- Product Liability
- Defective Machinery
- Trip and Fall Accidents
- Swimming Accidents
- Electrocution Accidents
- Car Accidents
- Burn Injury Accidents
- Construction Accidents
- Wrongful Death Accidents
Our experienced California Insurance Claim Lawyers will work to ensure that you get the maximum recovery you and your loved ones are entitled to. If you or a loved one have been involved in an accident in California and are presenting an insurance claim, please contact the skilled California Lawyers at the B & D Law Group, APLC. Our experienced California Insurance Claim Attorneys have a wealth of experience helping victims prosecute their California Insurance Claims.
We are here to help. Our experienced California Insurance Claim Lawyersunderstand that choosing an attorney to fight for your California Insurance Claim is not easy. We want to make sure that you know your rights and make the right choice. We never charge for a Free Consultation on your California Personal Injury Claim.