Property Damage Lawyer in Mobile
Between hurricanes, tornadoes, and flooding, residents of Mobile, Daphne, and Foley, AL are no strangers to extreme weather conditions. When your home is damaged, you have a reasonable expectation that your insurance policy will cover the cost of rebuilding. Unfortunately, homeowners’ insurance providers often try to limit the amount of compensation. When this happens, a home and property damage lawyer that is well versed in Alabama property insurance laws, like the experienced team at Andy Citrin Injury Attorneys, can help you recover the full amount of compensation you deserve.
Homeowners Insurance and Bad Faith
Regardless of how the damage has occurred, homeowners expect that their insurance policy should cover losses that have occurred due to no fault of their own. However, it’s not out of the ordinary for the insurance companies to violate the terms and conditions of their homeowners’ policies.
If you believe that your insurance provider acted in bad faith in regards to your homeowner’s property damage claim in Daphne Alabama, you may be able to file a claim for breach of contract. Our Mobile property damage lawyers at Andy Citrin Injury Attorneys are skilled in fighting homeowner insurance claims denials.
To learn more, please fill out the Free Case Review form.
Types of Homeowners’ Damage Claims
For many years, the risks and losses associated with most natural catastrophes have been reasonably predictable and somewhat manageable. However, over the last decade, due to stronger storms and elevated risks, homeowners in the Mobile and Daphne, Alabama areas have been facing unprecedented losses.
Some of the most common causes of homeowners’ insurance claims include:
- Damage caused by forces of nature, including wind, water, hail and fire
- Pollutant cleanup and its remediation
- Replacement cost issues
- Theft and damage due to vandalism
- Increased cost of construction
Despite continually increasing the prices of homeowners’ policies, many insurance companies may still try to get out of settling a home and property damage claim. At Andy Citrin Injury Attorneys, our team of home and property lawyers is committed to helping fight homeowners claims denials in Daphne, Foley, and Mobile, Alabama. With over 50 years of combined legal experience, our Mobile property damage law firm is not afraid of standing up to the large insurance companies in court.
Common Responses From Insurance Companies
If you receive a letter from your insurance provider that contains any verbiage similar to the following statements, it is crucial that you consult with a home and property damage lawyer in Mobile, Daphne, or Foley who is experienced in Alabama property damage claims:
- “Your claim has been denied due to the concealment of material facts.”
- “No coverage for your loss.”
- “The terms of your policy require you to submit to an Examination Under Oath.”
- “The circumstances of your loss fall within an exclusion of your policy.”
- “Your policy has been declared void ab initio based on material misrepresentations in your application.”
- “Your policy was canceled prior to the date of loss.”
- “The terms of your policy require you to provide us with documents we request.”
- “This letter serves as a reservation of our rights to later deny coverage.”
Contact Our Mobile, AL Property Damage Lawyers Today
Here at Andy Citrin Injury Attorneys, we have the determination and expertise to fight for the justice you deserve. With our main office located in Mobile, we also serve the Daphne and Foley, Alabama areas and the Mississippi Gulf Coast. Our team of homeowners claims attorneys is licensed to practice throughout Alabama and Mississippi.
For more information or to schedule a confidential, no-obligation consultation, contact us at 251-888-8888 or complete the Free Case Review form at the top of this page.