The color of your home give it a unique look and curb appeal. But what happens when there is paint damage to your home? Many homeowners in South Florida assume their insurance company will pay for the damage. But that is not necessarily the case. Many comprehensive homeowner’s insurance policies may only cover paint damage if it is the result of vandalism, fire or theft. If your paint damage is caused normal wear and tear, you may be out of luck.
Not All Paint Damage Claims Are the Same
Homeownership has always been considered the American Dream. But that dream can quickly turn into a nightmare when you have suffered significant property damage. Whether you have a pipe leak, roof leak, fire damage or water damage it is vital to have a homeowner’s insurance policy to pay for your repairs and account for losses. Paint damage is one of the more complex insurance claims. Among the most common types of paint damage include:
- Bubbling paint
- Rust Discoloration
Before filing a paint damage claim with the insurance company, it is important to understand the cause of the paint damage. If the damage was caused by an accident or wear and tear, there is a good chance your insurance policy will not cover the repair. To qualify the damage must be the result of a disaster, such as a fire, windstorm or vandalism.
Read Your Homeowner’s Insurance Policy Carefully
Unfortunately, most homeowners do not take the time to read over their insurance policy. What you don’t know can come back to hurt your later. For example, homeowners are responsible for the general maintenance of their property. Among the biggest and most overlooked responsibilities is the condition of your home’s paint. Due to the hot and humid conditions of South Florida’s climate, paint tends to bubble, discolor or chafe over a long period of time. Most homeowners’ associations require residents to paint their homes every certain number of years. The purpose is not only to keep your home looking good, but to also maintain the property value to a certain standard.
How an Insurance Claims Attorney Can Help
Every homeowner needs insurance. However, there is no guarantee your insurance company will provide the full compensation to account for your damages. Insurance companies have their own team of adjusters to assess the value of the damage. In many cases, these adjusters will sometime overlook many factors that could have contributed to your damage. If your claim has been underpaid or denied, it is vital to have an experienced and knowledgeable legal professional on your side.
Has Your Homeowners’ Insurance Claim Been Underpaid or Denied? Miami Insurance Claims Attorney Jonathan Korin Will Fight For Your Rights
Insurance companies are no different than most businesses. Their objective is to make as much money as possible. Sometimes it comes at the expense of their policyholders. Over the years, Miami insurance claims attorney Jonathan Korin has successfully represented both residential and commercial property owners for many of the most complex cases. He and his legal team at Korin Law, P.A. utilize an aggressive and comprehensive approach to protect the rights of homeowners and to ensure they are placed in the best position to succeed. From the time client arrives at their Miami law office for the first time, the Jonathan and his staff will take the time to address all of your questions and concerns. To learn more, contact Korin Law, P.A. and schedule a consultation today to discuss your case.