Hillsborough Commercial Property Damage Lawyer

Sadly, a disaster strikes and puts your business, employees, and customers in danger. Following the disaster, you expect your insurance provider to cover the costs of treating personal injuries and repairing property damage. With help from a Hillsborough commercial property damage lawyer, you can avoid problems during the insurance claims process. 

With more than 120 years of combined legal experience on staff, the Whitley Law Firm takes the guesswork out of commercial property damage claims. Let a personal injury lawyer serving Hillsborough from our team guide you through the claims process. Contact us today to get started. 

How the Commercial Property Damage Claims Process Works

When in doubt about the steps to take relative to your commercial property damage claim, seek legal help. A Hillsborough commercial property damage attorney can provide insights into an insurance adjuster’s perspective of your claim. They can walk you through each of these steps of the claims process.

Filing Your Claim

Notify your insurance provider about your property damage right away. In North Carolina, insurance companies must acknowledge a claim within 30 days of receipt. A commercial property damage lawyer serving Hillsborough tracks your claim closely and makes sure your insurer responds in a timely manner. 

Providing Documentation to Support Your Claim

Gather evidence to show the severity of injuries people suffered, the extent of your property damage, and other losses. Your proof can include photos and videos, property appraisals and valuations, an up-to-date inventory of your property, and financial records. Also, track communications with your insurer and keep copies of all correspondence with the company. 

Getting an Assessment

Allow an insurance claims adjuster to visit your property and examine your losses in depth. Your attorney can answer questions you have about insurance agents vs. adjusters and similar topics. They can help you provide an adjuster with pertinent information without hurting your chances of getting maximum compensation. 

Negotiating a Settlement

Have a commercial property damage attorney serving Hillsborough discuss a settlement on your behalf. Your lawyer knows the ins and outs of your insurance coverage and losses. They work diligently to help you secure a fair settlement. 

Receiving Payment

Evaluate a settlement offer with your lawyer, and they will help you weigh its pros and cons. Your lawyer will let you know if they believe a settlement is sufficient. If you approve an offer, you receive money you can use to cover your losses. 

If you are worried about talking with insurance companies during the claims process, the Whitley Law Firm team has you covered. Our lawyers advocate for you and protect your legal rights as you deal with insurers. Request a consultation with our attorneys to learn more.

Reasons Why an Insurance Company Will Deny a Hillsborough Commercial Property Damage Claim

You submit your claim within a reasonable time frame and provide plenty of evidence to confirm its validity. Regardless, an insurance company denies your claim. Here are reasons why an insurer could issue a denial letter. 

You Did Not File Your Claim on Time.

North Carolina has a statute of limitations of three years for an insurance claim. In spite of this, an insurer may say you chose not to submit your claim promptly. If this happens, you have legal options, and your lawyer can help you pursue them to the fullest extent. 

There Is Insufficient Documentation

It is your responsibility to verify your claim is legitimate. If an insurer has concerns about your body of proof, it could deny your claim. To get a reversal, you may have to submit additional documentation detailing your losses.

You Provided False Statements.

You exaggerate your losses or say something untrue on the record to an insurance adjuster about your claim. In these scenarios and others, you provide misleading or inaccurate information. As such, an insurer can use your false statements as grounds for rejecting your claim. 

Your Insurance Policy Has Exclusions.

There are property insurance policy limitations and exclusions. Your insurance company could argue the damage you suffer is not covered under your policy. Fortunately, your attorney reviews your policy carefully, and they can help you dispute your insurer’s argument against you. 

You Did Not Pay Your Insurance Premiums.

Choosing not to pay your insurance premiums has far-flung effects. If you forgo premium payments for an extended period of time, your coverage could lapse. At this point, your insurance company can decline your claim, citing the fact that you had an outstanding balance.

Remember, you do not have to go through the insurance claims process by yourself. If you have an experienced lawyer at your side, you can limit the risk of a denial. Or, if your claim is rejected, your attorney can help you file an appeal. 

Hillsborough Commercial Property Damage Lawyer Near Me (800)785-5000

Our Hillsborough Commercial Property Damage Lawyers Fight Hard to Help You Get Compensation Through an Insurance Claim

Your business faces the consequences of a disaster and is unsure of what to do next. Rather than deal with these ramifications on your own, partner with a lawyer. Together, you and your attorney can boost your chances of receiving an insurance settlement that meets your expectations. 

The Whitley Law Firm does whatever it takes to maximize your financial recovery after a disaster. Our lawyers can help you get compensation based on personal injuries, property damage, and other losses. Schedule a consultation with our team.