After your property is damaged, every decision you make can impact your financial recovery. One of the most critical choices is whether to seek professional legal advice. While you might hesitate, consider what you stand to gain versus what you risk. By not exploring your options, you could be leaving thousands of dollars on the table or accepting an unfair claim denial from your insurance company. A property damage lawyer free consultation is a powerful, risk-free tool that costs you nothing but can provide immense value. It’s your chance to get an expert opinion on your case and learn how to secure the full compensation you are owed.
Key Takeaways
- Counter Insurance Company Tactics: A property damage lawyer’s primary role is to manage all communication and negotiation, holding your insurer accountable for unfair delays, lowball offers, or wrongful denials to secure the full compensation you deserve.
- Know When to Call and How to Prepare: If your claim is denied, undervalued, or dragging on, it’s time to seek legal advice. Maximize your free consultation by gathering your insurance policy, photo and video evidence, and all correspondence with your insurer.
- Get Expert Help Without Upfront Costs: Reputable property damage attorneys work on a contingency fee basis, which means you pay nothing out-of-pocket. The lawyer’s fee is a percentage of the money recovered for you, so there is no financial risk to getting professional help.
What Does a Property Damage Lawyer Do?
When your property is damaged, you file a claim expecting your insurance company to make things right. But sometimes, the process isn’t that simple. A property damage lawyer is your advocate, a professional who steps in to protect your interests and hold your insurance provider accountable. Their main job is to make sure you receive the full and fair compensation you’re entitled to under your policy.
Think of them as your personal legal expert for the entire claims process. They start by thoroughly reviewing your insurance policy—a document often filled with confusing language—to understand exactly what is covered. From there, they help you document all your losses, communicate directly with the insurance adjuster, and handle all the complicated paperwork. They are skilled negotiators who will work to reach a fair settlement on your behalf. If the insurance company refuses to cooperate or negotiate in good faith, your lawyer is prepared to take the next step and file a lawsuit. They will present your case in court, using evidence and expert testimony to argue for the maximum compensation you need to rebuild. Essentially, they manage the legal complexities so you can focus on getting your home or business back in order.
Types of Property Damage Cases We Handle
In Texas, we see a wide range of property damage claims, and our team is equipped to handle them all. We represent both residential and commercial property owners facing significant losses. A large portion of our work involves helping clients recover from severe weather events, including damage from hail, wind, tornadoes, and hurricanes that are all too common in our state. We also manage claims related to fire and smoke damage, which can be devastating and complex to value.
Beyond natural disasters, we handle cases involving water damage from burst pipes or appliance failures, as well as foundation and structural issues. A critical part of our practice involves holding insurance companies accountable when they act in bad faith. If your insurer is unreasonably delaying your claim, offering a lowball settlement, or denying coverage without a valid reason, a Fort Worth property insurance lawyer can step in to protect your rights.
Signs It’s Time to Call a Lawyer
It can be hard to know when to transition from handling a claim yourself to seeking legal help. However, there are several clear signs that it’s time to call a professional. The most obvious red flag is an outright claim denial. If your insurer denies your claim without a clear and reasonable explanation based on your policy, you should seek a second opinion immediately. Another major sign is a settlement offer that is far too low to cover the cost of repairs. Don’t feel pressured to accept an offer that won’t make you whole.
You should also be wary of significant delays. If the insurance company is dragging its feet, being unresponsive, or asking for endless documentation without moving your claim forward, it may be a tactic to get you to give up. Finally, if you simply feel overwhelmed, confused by the process, or pressured by the adjuster, it’s a good time to consult an attorney. An initial consultation is free, so there is no risk in getting expert advice from Tim Hoch and our team.
What to Expect During Your Free Consultation
Walking into a legal consultation can feel intimidating, but it doesn’t have to be. Think of it as a straightforward conversation where you get the information you need to make a clear decision. Our goal is to listen to your story, review your situation, and give you a clear picture of your options. There’s no pressure and no obligation—just honest advice from an experienced team. We’ll cover the strengths of your case, the potential paths forward, and what the process looks like from start to finish.
How We Evaluate Your Case
During your free consultation, our first priority is to understand the details of your situation. We’ll sit down with you and go over your insurance policy, the damage to your property, and any communication you’ve had with your insurance company. This initial assessment is key to figuring out the best strategy. We’ll help you understand the core issues of your claim, whether it’s a simple coverage dispute or a more serious case of an insurer acting in bad faith. As your dedicated Fort Worth property insurance lawyer, we use this time to map out a clear course of action tailored specifically to your case.
Discussing Your Legal Options
Once we have a solid grasp of your case, we’ll walk you through the legal options available to you. For many, the path starts with strategic negotiation with the insurance company. However, if they refuse to offer a fair settlement, we won’t hesitate to explain the process of filing a lawsuit. We’ll discuss what that entails, from gathering evidence to presenting your case in court with expert testimony to fight for the maximum compensation you deserve. Our job is to equip you with the knowledge to make an informed choice. We handle a wide range of practice areas, and this risk-free consultation is your opportunity to get expert legal advice without any commitment.
An Overview of the Timeline and Process
Property damage claims can be complicated, and it’s completely normal to wonder how long it will all take. While every case is unique, we believe in being transparent about the process from day one. During our meeting, we’ll give you a general overview of the timeline and the key stages you can expect. Navigating this process alone can be tough, especially when insurance companies deny, delay, or undervalue your claim. We’ll outline the steps we’ll take on your behalf, from initial filings to potential litigation, so you never feel left in the dark. Our Justice Blog also offers more insights into the legal journey.
How to Prepare for Your Free Consultation
Coming to your free consultation prepared can make a world of difference. The more information you can provide upfront, the clearer our understanding of your situation will be, and the more specific our initial advice can become. Think of it as building the foundation for your case from day one. Your goal is to give the attorney a comprehensive snapshot of what happened, the damage you’ve sustained, and your interactions with the insurance company so far. When we have these details, we can move past the basics and get straight to the heart of your legal options.
This preparation doesn’t have to be overwhelming. It’s simply about gathering the key pieces of your story into one place. By organizing your documents, photos, and communications, you help us see the full picture and identify the best path forward. A little bit of homework before our meeting allows us to spend our time together focusing on strategy and answering your most pressing questions, rather than just gathering facts. It empowers you and sets the stage for a productive partnership. Let’s walk through exactly what you should bring to make the most of our time together.
Your Essential Document Checklist
The first step is to gather all the paperwork related to your property and your claim. This paper trail provides the factual backbone of your case. Start by collecting your complete insurance policy—not just the declarations page, but the full document. This allows us to review the specific terms of your coverage. Also, bring any estimates or quotes you’ve received from contractors for repairs, along with receipts for any out-of-pocket expenses you’ve already paid for, like temporary lodging or emergency repairs. Having these documents on hand helps us accurately assess the value of your property insurance dispute.
The Importance of Photos and Videos
Visual evidence is incredibly powerful. Photos and videos provide undeniable proof of the extent of the damage before any repairs or alterations were made. If you can, take pictures and videos from multiple angles, both close-up and from a distance, to capture the full scope of the issue. Be sure to document the initial damage as soon as it happens and continue to take photos throughout the process, especially if the damage worsens over time. This visual timeline can be one of the most compelling pieces of evidence we use to build a strong case and demonstrate the full impact on your property.
Gathering All Insurance Communications
It is essential to compile a complete record of every interaction you’ve had with your insurance company. This includes every email, letter, and text message. If you’ve had phone calls, jot down notes about who you spoke to, the date of the call, and what was discussed. This correspondence is critical, as it can reveal patterns of delay, underpayment, or unreasonable denials that may point to bad faith on the insurer’s part. Having this information organized helps your lawyer understand the history of your claim and how the insurance company has treated you throughout the process.
How a Lawyer Can Help Maximize Your Claim
When you’re dealing with property damage, it can feel like you’re up against a wall. Insurance companies have teams of adjusters and lawyers working to protect their bottom line, which often means paying you as little as possible. Hiring a property damage lawyer isn’t just about having someone on your side; it’s about leveling the playing field. An experienced attorney understands the tactics insurers use and knows how to build a case that stands up to scrutiny.
The goal is to ensure you receive the full and fair compensation you’re entitled to under your policy. This involves more than just filing paperwork. It means meticulously documenting your losses, accurately interpreting your policy’s complex language, and negotiating from a position of strength. A lawyer acts as your advocate and strategist, managing every detail so you can focus on getting your property—and your life—back in order. With a legal professional managing your claim, the insurance company knows you are serious about getting what you are owed. This simple fact can dramatically change the course of your claim and lead to a much better outcome than you might achieve on your own.
Countering Common Insurance Company Tactics
Insurance companies often rely on a set of common tactics to delay, deny, or underpay claims. They might send a quick, lowball offer hoping you’ll accept it out of desperation. They may also argue that your policy doesn’t cover certain types of damage or insist on using confusing language to justify their decision. As your legal representative, we anticipate these moves.
An experienced Fort Worth property insurance lawyer knows how to counter these strategies by holding the insurer accountable for their obligations. We challenge unfair denials, demand clear justification for their calculations, and push back against unnecessary delays. We make sure your claim is handled based on the facts and the terms of your policy, not the insurance company’s desire to save money.
Building a Strong Case with Solid Evidence
A successful property damage claim is built on a foundation of solid evidence. While photos and initial estimates are a good start, maximizing your claim often requires a much more thorough approach. We work to assemble a comprehensive body of evidence that leaves no room for doubt about the extent of your damages and the cost of repairs. This can involve bringing in independent experts like public adjusters, engineers, or contractors to provide detailed assessments.
We compile all necessary documentation, from your insurance policy and communications to repair invoices and expert reports. This meticulous preparation ensures that if negotiations stall, we are ready to present a powerful case in court. Our track record of proven results demonstrates our commitment to building strong, evidence-based cases for our clients.
Leveraging Expert Negotiation Strategies
Negotiating with an insurance adjuster can be intimidating, but a skilled attorney can secure a much higher settlement than you might get on your own. We handle all communications with the insurance company, removing the emotional stress from the process and preventing you from saying something that could unintentionally weaken your claim. Our negotiations are backed by hard evidence and a deep understanding of Texas insurance law.
More importantly, the insurance company knows that a seasoned trial lawyer like Tim Hoch is fully prepared to take your case to court if a fair offer isn’t made. This willingness to litigate is a powerful tool that often encourages insurers to negotiate in good faith and offer a settlement that truly covers your losses.
Key Questions to Ask a Property Damage Lawyer
Your free consultation is more than just a chance to tell your story; it’s an opportunity to interview a potential legal partner. Finding the right lawyer is about more than just qualifications—it’s about finding someone you trust to handle your case with the care and tenacity it deserves. You need an advocate who understands what’s at stake and has a clear plan to fight for you. When your home or business has been damaged, the last thing you need is more uncertainty. This meeting is your chance to cut through the noise and find a professional who can give you a clear path forward.
Asking pointed questions helps you gauge their experience, understand their approach, and set clear expectations for communication. Think of it as a two-way interview. While the attorney is evaluating the merits of your claim, you should be evaluating whether they are the right fit for you and your family or business. A lawyer who is a true advocate will be transparent about their process and their experience. Feeling confident in your legal representation is crucial, and it all starts with asking the right questions from the very beginning. A good lawyer will welcome your questions and provide thoughtful, direct answers that empower you to make the best decision for your situation.
Inquire About Their Experience and Specialization
Not all lawyers are created equal, especially when it comes to property damage claims. You need someone who lives and breathes this area of law. Ask them directly: “How many cases like mine have you handled?” and “Do you exclusively represent policyholders, or do you also work for insurance companies?” You want an attorney who is 100% on your side.
Dig into their specific experience with Texas property insurance disputes. Ask about their past results and their familiarity with the tactics insurance companies use to deny or underpay claims. It’s also wise to ask about their trial experience. Many lawyers prefer to settle, but you need someone who is prepared and qualified to take your case to court if a fair settlement isn’t offered.
Understand Their Strategy for Your Case
A good lawyer should be able to give you a clear, high-level overview of their proposed strategy. Ask them, “Based on what I’ve told you, what are the initial steps you would take?” and “How do you typically approach negotiations with the insurance company?” This isn’t about getting a guaranteed outcome, but about understanding their process and legal philosophy.
You want to know their plan for building a strong case, which might include hiring experts, gathering evidence, and meticulously documenting your damages. Also, ask what happens if the insurance company refuses to negotiate in good faith. A seasoned attorney will have a plan for litigation and won’t hesitate to file a lawsuit to protect your rights. This conversation will show you how they think and whether their approach aligns with your goals.
Clarify How and When They’ll Communicate
Clear and consistent communication can make a stressful process much more manageable. One of the biggest complaints clients have about lawyers is a lack of communication, so address this head-on. Ask, “Who will be my primary point of contact?” and “How often can I expect to receive updates on my case?”
Also, find out the best way to get in touch if you have questions. Do they prefer email or phone calls? What is their typical response time? Establishing these expectations upfront prevents frustration down the road and ensures you feel informed and supported throughout your case. A lawyer who values client communication will be happy to provide clear answers and set up a system that works for both of you.
How Do Legal Fees Work for Property Damage Cases?
One of the biggest questions people have when considering a lawyer is, “How much is this going to cost me?” It’s a completely valid concern, especially when you’re already dealing with the financial stress of property damage. The good news is that you don’t need a pile of cash to get expert legal help. At Hoch Law Firm, we handle property damage cases on a contingency fee basis, which means our goals are directly aligned with yours: getting you the best possible result. This approach removes the financial barrier, allowing you to fight for the compensation you deserve without worrying about upfront legal bills.
Explaining Contingency Fee Agreements
A contingency fee agreement is straightforward: we only get paid if we win your case. It’s that simple. Instead of charging an hourly rate, our fee is a pre-agreed-upon percentage of the money we recover for you, whether through a settlement with the insurance company or a verdict at trial. If we don’t secure a financial recovery for you, you owe us nothing in attorney’s fees. This model ensures we are fully invested in the success of your claim. We believe in your case enough to invest our own time and resources to see it through, sharing the risk with you.
Our No Upfront Costs Promise
When we say there are no upfront costs, we mean it. You won’t pay a retainer or receive monthly bills from our office. We cover the necessary expenses to build and pursue your case, which can include costs for expert witnesses, court filing fees, depositions, and document requests. This promise is central to our commitment to helping property owners in Texas. It allows you to access high-quality legal representation without any out-of-pocket financial strain. Your focus should be on getting your life back in order, not on how you’ll afford to stand up to a powerful insurance company.
When and How Payment Is Handled
Transparency is key, so we make sure you understand the payment process from the very beginning. Everything will be clearly outlined in a written agreement before we start any work on your case. If we achieve a successful outcome, our attorney’s fees and the case costs we advanced are deducted directly from the settlement or award. You then receive the remainder of the funds. This process ensures that all financial aspects are handled professionally and ethically, allowing you to see exactly how your successful outcome is distributed. There are no hidden fees or surprises along the way.
Do You Have a Valid Property Damage Claim?
After your property is damaged, it’s easy to feel overwhelmed and unsure of what to do next. You might wonder if your situation even qualifies for a legal claim. A valid claim isn’t just about proving damage occurred; it’s about establishing that you are owed compensation, either from your insurance policy or from a party whose negligence caused the harm. This is where things can get complicated.
Insurance companies often have their own interpretation of your policy, which can lead to denied claims, lowball settlement offers, or frustrating delays. When your insurer isn’t holding up their end of the bargain, you may have a valid claim for more than just repairs. A property damage attorney can help you cut through the confusion, determine the strength of your case, and pursue the full compensation you deserve. We handle a wide range of property and business litigation matters, including bad faith lawsuits against insurance companies that refuse to treat you fairly.
Common Types of Covered Damage in Texas
In Texas, property damage can happen in an instant. From severe hail and windstorms to fires, burst pipes, and vandalism, the potential threats to your home or business are numerous. Most insurance policies are designed to cover these types of sudden and accidental losses. However, having coverage doesn’t guarantee a smooth claims process.
Insurance adjusters may try to argue that the damage was pre-existing or isn’t covered under the specific terms of your policy. This is especially common in complex storm damage claims where the cause of loss can be disputed. If you believe your claim has been unfairly denied or undervalued, it’s a clear sign that you may have a valid case and should seek legal advice.
Understanding the Statute of Limitations
One of the most critical factors in any property damage case is the statute of limitations. This is a legal deadline that sets a firm time limit on your right to file a lawsuit. In Texas, you generally have two years from the date the damage occurred to take legal action. If you miss this deadline, you could lose your right to seek compensation forever, no matter how strong your case is.
Two years might sound like a long time, but building a solid case takes time. Evidence needs to be collected, experts may need to be consulted, and negotiations must take place. That’s why it’s so important to act quickly after discovering property damage. Contacting an attorney early ensures your rights are protected and gives your legal team the time needed to build the strongest possible case on your behalf.
Common Myths About Free Legal Consultations
Hesitation around legal matters is completely normal, especially when you’re already dealing with the stress of property damage. Unfortunately, a lot of that hesitation comes from common myths about what it means to talk to a lawyer. Many people worry about high costs, pushy sales tactics, or being locked into a lengthy court battle. These fears are understandable, but they often prevent people from getting the help they need when they need it most.
Let’s clear the air on a few things. The truth is, a free consultation is a no-risk, high-reward first step designed to give you clarity and confidence. It’s your chance to get straight answers from a professional without any pressure or financial commitment. Think of it as an information-gathering session where you are in control. Understanding what a consultation really is—and what it isn’t—can empower you to take the action needed to protect your property and your rights. Don’t let these misconceptions stand in your way.
Myth: A Free Consultation Isn’t Valuable
Some people think that because a consultation is free, it must not be worth much. That couldn’t be further from the truth. A free consultation is an incredibly valuable opportunity to have an experienced attorney review the specifics of your situation. You’ll get a professional assessment of your claim’s strengths and weaknesses and gain a clear understanding of your legal options. Think of it as a strategic first step. You have nothing to lose by seeking legal advice and guidance, and you’ll walk away with a much better sense of direction, whether you decide to hire an attorney or not. It’s a crucial part of our practice areas to provide this initial clarity.
Myth: You’re Obligated to Hire the Lawyer
This is a big one, and it’s completely false. A free consultation is a no-obligation meeting. Its purpose is to help you understand your case and determine if the attorney is the right fit for you. It’s a two-way street; we’re evaluating if we can help you, and you’re evaluating if you feel comfortable and confident with us. You should feel empowered to ask questions and get a feel for our approach. At the end of the conversation, you are free to walk away with the information you’ve gained. There are no hidden fees or strings attached. The goal is to help you make an informed decision, not to pressure you into one.
Myth: Your Case Will Definitely Go to Court
The idea of a lengthy court battle is intimidating, but hiring a lawyer doesn’t automatically mean your case is headed for trial. In fact, the opposite is often true. Having a skilled attorney on your side signals to the insurance company that you are serious about receiving a fair settlement. Many property damage claims are resolved through strategic negotiation long before a trial becomes necessary. While we prepare every case as if it will go to court to ensure we’re ready for anything, our primary goal is to achieve the best possible results for you efficiently. Often, that means securing a fair settlement without ever stepping into a courtroom.
How to Choose the Right Lawyer for You
Finding the right lawyer can feel like a monumental task, especially when you’re already dealing with the stress of property damage. This decision is one of the most critical you’ll make for your case, as the right legal partner can make all the difference in the outcome. You need an advocate who not only understands the law but also understands you and your goals. Think of this as a partnership. You want someone with the right qualifications, a proven track record, and a communication style that gives you confidence every step of the way. Taking the time to vet your options carefully will pay off in the long run, ensuring you have a skilled professional fighting for your best interests.
Key Qualifications to Look For
When you start your search, focus on a few core qualifications. First, look for a lawyer who prioritizes clear communication. You should never feel like you’re in the dark about your own case; a great attorney will keep you informed and explain complex legal matters in a way you can understand. Second, seek out specialized knowledge. You need someone with deep experience in property damage claims, a firm grasp of Texas law, and an insider’s understanding of the tactics insurance companies use to deny or underpay claims. Finally, verify their credentials. Ensure the attorney is licensed to practice in Texas and has a clean disciplinary record. Experience in the courtroom is also crucial—a lawyer who is prepared to take a case to trial often gets better settlement offers.
Why Board Certification Matters
You might see the term “Board Certified” and wonder what it means. Think of it as the legal world’s equivalent of a medical specialist. Board certification indicates that an attorney has gone above and beyond the minimum licensing requirements, demonstrating extensive experience and passing a rigorous exam in a specific area of law. It’s a mark of true expertise. For example, Tim Hoch is Board Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization—a distinction held by a very small percentage of Texas attorneys. This level of specialized knowledge is invaluable when handling complex property damage and personal injury cases, as it signals a deep understanding of litigation and trial strategy.
Red Flags to Watch Out For
Just as important as knowing what to look for is knowing what to avoid. Be wary of any lawyer who is vague about their fee structure or pressures you to sign a contract on the spot. A trustworthy attorney will be transparent about costs and offer a clear explanation of their contingency fee agreement. Another red flag is a promise of a specific outcome. No ethical lawyer can guarantee results. Also, be cautious of a “jack-of-all-trades” firm that doesn’t specialize in property damage or personal injury law. Finally, if a lawyer seems too busy to answer your questions or doesn’t listen to your concerns during the initial consultation, they likely won’t provide the personalized attention your case deserves.
What Are the Next Steps After Your Consultation?
So, you’ve had your free consultation and discussed the details of your case. What happens now? Once you decide to move forward, we transition from evaluation to action. This next phase is all about building your case and fighting for the compensation you deserve, and it’s where our partnership truly begins. While we handle the legal heavy lifting, your continued involvement is key to a successful outcome. Here’s a look at what you can expect as we get started.
Moving Forward with the Legal Process
If you decide we’re the right fit for you, the first step is to officially hire our firm. Once the paperwork is signed, we immediately notify the insurance company that we are representing you. From that point on, they must direct all communication through us—no more stressful calls or confusing emails for you to handle. Our team will take over negotiations, presenting the evidence to demand a fair settlement. If the insurance company refuses to offer what your claim is worth, we won’t back down. We will file a lawsuit on your behalf and prepare to present your case in court, using our trial experience to advocate for you.
What to Expect for a Timeline
Every property damage case follows its own unique timeline, so it’s difficult to predict exactly how long yours will take. The duration can depend on the complexity of your claim, the amount of damage, and how cooperative the insurance company is. Some cases resolve through negotiation in a few months, while others may require a lawsuit and take longer. What is certain, however, is the legal deadline to file a claim. In Texas, you generally have two years from the date the damage occurred to file a lawsuit. This is why it’s so important to act quickly after discovering damage and not delay in seeking legal advice.
Your Role in a Successful Case
While we manage the legal strategy, you play a vital role in the success of your case. Your main job is to be our partner in gathering information. Continue to document everything related to your property damage. Keep a file of all receipts for repairs, temporary lodging, and any other related expenses. If you speak with any contractors or witnesses, take notes and pass them along to us. It’s also crucial to forward any communication you might still receive from the insurance company directly to our team without responding. By staying organized and maintaining open communication with us, you provide the powerful, firsthand evidence we need to build the strongest possible property insurance claim.
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Frequently Asked Questions
My insurance company already denied my claim. Is it too late to get legal help? Not at all. A claim denial is often the starting point of our work, not the end of your case. Insurance companies deny claims for many reasons, and sometimes those reasons are not valid. An official denial is one of the clearest signs that you need a professional legal opinion. We can review your policy and the insurer’s denial letter to determine if they have treated you unfairly and map out the best way to challenge their decision.
Will I have to go to court if I hire you? Most property damage cases are resolved through negotiation long before a trial becomes necessary. In fact, having an experienced trial lawyer on your side often increases the chances of reaching a fair settlement without going to court. The insurance company knows we are fully prepared to litigate, which gives them a powerful incentive to negotiate in good faith. Our primary goal is to get you the best result efficiently, but we are always ready for a courtroom battle if that’s what it takes to protect your rights.
How is hiring a lawyer different from hiring a public adjuster? While a public adjuster is skilled at assessing the scope and cost of property damage, their role ends there. A lawyer can do everything a public adjuster can and much more. We manage the entire legal process, from documenting your claim and negotiating with the insurer to filing a lawsuit if the company acts in bad faith or refuses to pay what you are rightfully owed. We are your legal advocates, equipped to hold the insurance company fully accountable under Texas law.
What if my insurance company is just delaying my claim but hasn’t denied it yet? You don’t have to wait for an official denial to seek legal advice. Unreasonable delays are a common tactic used by insurance companies to frustrate policyholders and pressure them into accepting a low offer or giving up entirely. If your insurer is unresponsive, asking for repetitive information, or simply dragging the process out, it’s a good time to consult an attorney. We can step in to get your claim moving forward and signal to the insurer that these delay tactics will not work.
I’ve already started making repairs. Can I still file a claim or hire an attorney? Yes, you absolutely can. In fact, you have a duty to make reasonable repairs to prevent further damage to your property. The key is to document everything meticulously. Take plenty of photos before, during, and after the repairs are made. Keep every single receipt and invoice from contractors or for materials you purchased. This documentation becomes critical evidence that we can use to prove the full extent of your losses and ensure you are properly reimbursed for the costs you’ve already paid.
