It’s devastating when a storm or other disaster inflicts serious damage on your property. The right insurance policy should take away some of the sting. Unfortunately, insurers may unfairly delay or deny valid claims, or offer less than what your repairs actually cost.
Filing a property damage insurance claim can be overwhelming, and you may face pressure to accept a payment before fully understanding the extent of the damage. Our property damage lawyers in Missouri can help you get the full amount you’re owed.
At Storm Law Partners, our attorneys have represented over $1 billion in claims. We’re here to make sure you’re treated fairly, and we’re not intimidated by big insurance companies. Call today to get a free consultation and find out how we can help with your property damage claim.
What Does a Property Damage Lawyer Do?
Lawyers focus on all kinds of different disciplines, and many work in several legal arenas. Our firm only works with property damage claims. By doing one thing and doing it well, we can better serve you when you need us most.
Some of the ways our property damage attorneys in Missouri may be able to help include:
Review and Explain Your Insurance Policy
We’ll review your policy to explain what’s covered, what’s excluded, and how your deductible applies. We can also spot hidden clauses that may help or hurt your claim. We want to make sure you know exactly what your insurer owes you.
Protect You From Common Mistakes
Our property damage lawyers can help you avoid common claim mistakes, like accepting low payouts or starting repairs that void coverage. We also guide you through issues with mortgage companies that may hold or co-sign insurance checks.
Prepare or Improve Your Claim
We help gather the proof your claim requires, such as photos, repair estimates, receipts, and expert reports. We’ll coordinate with contractors or adjusters to show the full extent of your damage. We also make sure all documents are complete and submitted on time.
Negotiate With the Insurance Company
We’ll deal with the insurance company for you and push for the full amount you’re owed. Most claims can be resolved through negotiations. However, sometimes, insurers prefer to do things the hard way. If necessary, we’ll take your fight to the courtroom.
Deal With Bad Faith Insurance Practices
If your insurer denies your claim without reason, delays payment, or ignores key evidence, we can hold them accountable for bad faith dealing. Our Missouri insurance claim lawyers can file a lawsuit for bad faith or breach of contract and may seek penalties or legal fees.
Guide You Through Disputes
When there’s a disagreement, our property damage attorneys can bring in experts, challenge vague policy language, and represent you in appraisals, mediation, or court if needed. We focus on resolving disputes efficiently and in your best interest.
For a free legal consultation with a Property Damage lawyer serving Missouri, call (832) 323-3000
Our Practice Areas in Missouri
Missouri experiences tremendous summer storms, as well as frequent tornadoes and the occasional inland remnants of a strong hurricane. As a property owner, you can experience damage from these and many other types of disasters. Contact us today if you need a:
- Storm Damage Lawyer in Missouri: Missouri storms can cause serious roof, siding, and structural damage. We help you document the losses, understand your coverage, and push your insurer to pay for full, necessary repairs.
- Homeowners’ Claim Lawyer in Missouri: Filing a claim for home damage can be stressful and confusing. We guide you through the process, handle paperwork, and fight for the full benefits your policy promises.
- Commercial Claim Lawyer in Missouri: Damage to your business property disrupts operations and income. Our insurance claim attorneys can work to assess losses, manage the claim, and help protect your business from long-term financial harm.
- Hail Damage Lawyer in Missouri: Hail often damages roofs, windows, and siding, sometimes in ways insurers miss or dispute. We gather solid evidence and work to get your repair or replacement costs fully covered.
- Tornado Damage Lawyer in Missouri: Tornadoes in Missouri can level homes or cause major structural damage. We help you navigate the claim process, document every loss, and ensure your policy pays what it should.
- Fire Damage Lawyer in Missouri: Fire damage can affect everything from structures to personal belongings. We help you sort through the damage, file a strong claim, and fight back if the insurer underpays.
- Water Damage Lawyer in Missouri: Water damage can come from storms, burst pipes, or leaks. Coverage varies, and insurers often deny claims. We review your policy and help fight for the repairs you need.
- Bad Faith Insurance Lawyer in Missouri: If your insurer denies your claim unfairly, delays payment, or ignores evidence, we can hold them accountable under Missouri law.
Missouri Property Damage Lawyer Near Me (832) 323-3000
Important Steps When Filing a Property Damage Claim
The actions you take in the hours and days after your property damage can have an impact on your claim. Reach out to our Missouri property damage lawyers when you need help with your claim or experience resistance from an insurance provider. Consider the following steps:
- Take clear photos and videos of all damage before you clean up or make repairs.
- Save all receipts, invoices, and any records of what was lost or damaged.
- Check what your policy covers, what’s excluded, and how your deductible applies.
- Report the damage to your insurance company as soon as possible, and ask for confirmation in writing.
- Get a professional inspection from a contractor, roofer, or engineer to make sure all damage is properly documented.
- Keep records of temporary housing, repair costs, inspections, or any expenses you incur because of the damage.
- Don’t rush to accept the first payment offer, as it might not cover all your losses, especially if hidden damage shows up later.
- Create a file for all claim-related documents, such as your policy, letters, estimates, receipts, and notes from conversations.
- Don’t delay your claim. You must submit within the timeframe outlined in RSMo § 516.120.
Click to contact our property damage lawyers today
Get Help From a Property Damage Attorney in Missouri
Filing a property damage claim in Missouri isn’t always straightforward. You may face confusing policy language, poor communication, or pressure to accept less than you need. It’s frustrating when you only want to repair your property and get your life back to normal.
Our Missouri property damage attorneys at Storm Law Partners can protect your rights, guide you through the claims process, and help you recover the compensation you’re owed. Call today for a free consultation.
Call or text (832) 323-3000 or complete a Free Case Evaluation form
