Missouri City Commercial & Residential Property Damage Lawyers

At Grisham & Kendall, we often advise Missouri City residents that homeowner’s insurance generally covers damages caused by perils such as fire, theft, vandalism, and various weather-related incidents. However, it’s crucial to review your specific policy as coverage can vary significantly. Notably, damages due to floods and earthquakes usually require additional coverage, which is not included in standard homeowner’s policies.

If you’re in Missouri City and need to file a property damage claim, it’s important to contact your insurance provider immediately after the damage occurs. You should provide a detailed description of the incident and the damage sustained. Gathering and submitting photographic or video evidence can support your claim. Ensure you complete all necessary claim forms as provided by your insurer.

For residents of Missouri City discovering property damage, the first step is to ensure personal safety and the safety of others. Afterward, mitigate further damage by making temporary repairs, like covering broken windows. Document all damage thoroughly before and after any temporary repairs. Keep receipts and records of any expenses incurred; these are crucial for your claim.

In Missouri City, the claim amount is typically determined by an insurance adjuster sent by your insurance company. The adjuster assesses the extent of the damage and estimates the cost of repairs or replacement. This amount will consider the terms of your insurance policy, including depreciation and your deductible.

Homeowners in Missouri City who disagree with an adjuster’s assessment have the right to dispute the findings. You can request a reevaluation or hire an independent adjuster. At Grisham & Kendall, we recommend discussing any discrepancies with your insurer or consulting with a professional to explore your options for a more favorable assessment.

While each insurance company has its policies, filing a claim may result in an increase in your insurance premiums, especially if there is a history of frequent claims. For Missouri City residents, we suggest consulting with your insurance provider to understand how a claim might impact your future premiums.

The processing time for a claim can vary greatly. In Missouri City, factors such as the complexity of the damage, the completeness of your claim submission, and the workload of your insurance adjuster can affect the timeline. Continuous communication with your insurer and providing prompt, thorough documentation can help expedite the process. If you think the claim process is taking too long, contact Grisham & Kendall. Working with Missouri City property damage attorneys may get your insurance company to speed things up. 

Missouri City residents should report damage to their insurer immediately, accurately document all damage and repairs, protect the property from further damage, and maintain all receipts related to the damage and repairs. Additionally, cooperating with the insurance adjuster and providing any requested information promptly is crucial for the smooth processing of your claim.