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Category Archives: Property Damage Insurance

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Dealing With the Insurance Company’s Adjuster

By Velasquez & Associates |

If you have a property damage claim, sooner or later, an adjuster from the insurance company will come to your house to look over your property and evaluate your damage. On one hand, you may not realize the importance of this step, so you may not be concerned at all. On the other hand,… Read More »

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Does Your Homeowners’ Insurance Company Owe You Interest?

By Velasquez & Associates |

You probably think of interest as something that you pay to a lender, or that someone pays to you when they borrow your money. Interest has to do with car loans, mortgages, or credit cards, among other borrower-creditor relationships. It may surprise you to know that your homeowners’ insurance company could end up owing… Read More »

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The Problem With Matching in Homeowners’ Insurance Cases

By Velasquez & Associates |

Sometimes property is totally and catastrophically destroyed, such as after a major hurricane. Other times, there may be damage to a large part of your property, but not all of it—for example, a flood that ruins the flooring on 75% of the surface area of your home. Although you are always better off sustaining… Read More »

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Homeowners’ Insurance Claims Files Are Important, but Tough to Obtain

By Velasquez & Associates |

When a lawsuit is filed, both sides have the opportunity to get the facts of the other side’s case. This includes being able to obtain documents that the other side will use to assert claims, or put up defenses. When it comes to lawsuits against homeowners’ insurance companies, the claims file for the adjusters… Read More »

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How Will You Pay Your Attorney in a Homeowners’ Insurance Claim Case?

By Velasquez & Associates |

Let’s imagine that something bad happens to your home. Your roof sustains damage after a storm, or your floors flood after a burst pipe, or your home sustains any other kind of damage that requires making a claim on your homeowners’ insurance policy. You make your claim, but the insurance company either denies coverage,… Read More »

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How the Weather Expert Can Help Your Homeowners’ Insurance Case

By Velasquez & Associates |

If you are involved in a lawsuit against your homeowners’ insurance company, you may expect that your case needs experts in order to win. Because homeowners’ insurance cases deal with the nature and extent of damage to property, you may expect those experts to be people in the construction industry—engineers, architects, electricians, to name… Read More »

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Why Right to Repair Clauses Aren’t Consumer-Friendly

By Velasquez & Associates |

One of the reasons that people get homeowners’ insurance (other than the fact that it is often required by lienholders or mortgage companies) is to make sure that there is someone there to repair property in the event of damage. That’s why a “right to repair” clause in a homeowners’ insurance contract may seem… Read More »

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What Happens if Repairs Make Your Home Temporarily Unlivable?

By Velasquez & Associates |

When your property is destroyed to the point that it is no longer inhabitable, you may have immediate concerns about how long it will take to get your property repaired, and the cost of getting everything replaced. This makes it easy to overlook a very important expense: additional living expenses, or ALEs. What are… Read More »

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