Causes of Property Damage and How to Protect Your Home
If you have ever been in the unfortunate situation of losing your property, you are probably well aware of how costly and devastating it can be. In fact, one out of every twenty homeowners will file a property damage claim every year. While a variety of things can cause property damage, some are more common than others. Hail and wind are two of the most common and damaging of all forms of property damage. Fast-moving hailstones can dent gutters and cause damage to siding and windowsills.
While natural calamities such as hurricanes and earthquakes can destroy your home, man-made accidents can be equally destructive. Burglaries are among the leading causes of property damage in India. While natural disasters like fire and burglaries are inevitable, man-made accidents can occur, too. Property insurance protects you against theft and vandalism, as well as fire and other disasters. You can even get a policy that covers the costs of repairing or replacing damaged property.
One of the most common and costly types of property damage is fire. Fires can destroy entire homes and cause considerable disruption. Be sure to watch for frayed wires and keep combustible items away from any open flames. Also, it is vital to periodically check your insurance policies to make sure they cover what you need to insure. When in doubt, take pictures and video to document the damage.
Property damage claims can be very frustrating. Knowledge is power, so do not be intimidated – you can always hire a property damage lawyer to handle the claim. Your insurance company is likely to act in bad faith – you will need to have a lawyer representing your best interests. You need an experienced attorney to help you navigate this process. They will represent you in court if need be. If you are unsure how to proceed, it is recommended to consult with an experienced property damage attorney.