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Property Damage Lawyer in Toronto

If you are currently facing the aftermath of significant property damage, you should not do so alone. At Costa Law, our skilled property damage lawyers are ready to fight for your right to fair compensation from an insurance company.

A business or homeowner can diligently pay insurance premiums for many years only to realize that the insurance company is unwilling to provide the necessary compensation when they have property damage or loss. The insurer may devise various excuses to deny paying property damage claims. Luckily, our lawyers will fight to ensure your claim is handled in good faith.

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Understanding Property Damage

‘Property damage’ involves the destruction inflicted on your private property due to someone’s negligence. It can also happen because of natural causes such as hurricanes, flooding, or tornado. In the case of negligence, you can legally sue the liable individual for the damage to your private property because it happened due to their negligence.

Acts of Nature Property Damage

When property loss or damage occurs due to water damage, fires, faulty heating systems, and similar incidents, an insurance policyholder can expect fair compensation from their insurance company. However, property insurers may deny the claim based on factors such as the extent and nature of the property damage.

Even when the insurance company agrees to compensate the policyholder, the offer may not be sufficient to fix the damages sustained. It would be best to have legal guidance and representation from experienced property damage lawyers to address such issues successfully.

At Costa Law, our Toronto property damage lawyers have a wealth of knowledge and many years of experience in property loss and damage claims. We work with teams of specialists in technical, engineering, and scientific fields, which empowers us to determine the financial value of your property damage accurately.

Combine this with our negotiation and trial skill sets, and you will realize we help you get fair compensation for your property loss. We understand what constitutes property damage and know how to navigate the legal landscape.

Property Crimes

As mentioned earlier, property damage can occur due to someone’s negligence. For instance, taking property belonging to another person without their permission constitutes theft. Being in possession of stolen property is one of the common property offences that result in property loss.

Other common property crimes include robbery, arson, extortion, and break and enter. You can also file vandalism of property charges against someone who acted negligently and caused damage to your property. Some property crimes, such as arson, can cause extensive property damage and have severe legal consequences, like a criminal record, for the accused person.

Contact us if you are accused of property crimes or intend to seek compensation from an individual whose negligence caused property damage or loss. We have been handling cases involving property offences for many years. Therefore, you can trust us to fight for the best possible outcome in your case.

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Insurance Bad Faith Claims

If an insurance company fails to honour its property insurance policy terms, it constitutes bad faith insurance practice. Some of the common bad faith insurance practices in Toronto include but are not limited to:

  • Failure to promptly investigate a claim filed by the insured
  • Using threatening or manipulative tactics to influence claim outcome from the policyholder
  • Delaying decisions related to property damage claim
  • Denying a property damage claim and failing to provide a written explanation
  • Underestimating the total value of the claim
  • Demanding excessive proof of damage from the property insurance policyholder
  • Misrepresenting policy terms intentionally

When you feel something is wrong when dealing with an insurer, it probably is. We know that filing a property damage claim can be a complex process. However, it is not impossible, and you do not have to fight alone to get the compensation you deserve. At Costa Law Firm, we have a team of highly experienced property damage lawyers ready to help you. Contact us today and schedule a free consultation.

Types of Property Damage Claims

Generally, property loss or damage claims can arise from various causes, and understanding the type of damage is essential for pursuing compensation from an insurance company. One common type is vandalism, which involves the intentional destruction of property. Property owners can file a claim for repairs or replacement when someone willfully damages their belongings, whether a broken window, graffiti, or even arson.

Another frequent cause is natural disasters like hurricanes, tornadoes, floods, and earthquakes. These catastrophic events can lead to significant property damage, and insurance claims can cover repairs for wind damage, water intrusion, fire, and more.

Accidental damage is also a valid reason to file a claim. This includes damages like burst pipes caused by freezing weather or an electrical malfunction that leads to fire. In all cases, ensuring that the insurance company fairly evaluates the damage is critical.

Insurance adjusters may try to lowball the payout, but our experienced legal representation can help secure the compensation needed to restore your property.

The Claims Process

If you are facing significant property damage and intend to file a claim, it is highly recommended to consult a skilled lawyer. The lawyer will professionally guide you through all the steps for filing a property damage claim. These steps include:

Step 1: Report the Damage to Your Insurer

Most insurance providers may require their policyholders to report any significant property damage promptly. However, you should have enough time to reach out to a skilled lawyer before reporting the damage.

Your insurance provider may ask a few questions and a property damage lawyer can help answer them appropriately. If you report the damage before hiring a lawyer, please do so before the claim process begins.

Step 2: Protect the Damaged Area

It is essential to keep yourself and others safe and away from the damaged area. You can rope or tape the area off, post a sign, or provide reliable verbal warnings to the people who access your property. This will ensure no one accesses the area unless necessary; thus, the damaged section will not be tampered with.

Step 3: Document Your Property Damage

Regardless of the nature or type of property damage you have suffered, it is crucial to document it. You can take photographs and record short videos of the damage. By effectively documenting the damage, you can show your insurer a detailed account of the losses you suffered.

Step 4: Let our Lawyers Handle the Rest

One thing we have learned over the decades is that there is no certainty in the insurance claims process. That is why you should let our experienced lawyer deal with your insurance provider, negotiate a fair settlement, and handle all the essential aspects of your property damage claim.

It is crucial to mention that the claim process can be very challenging. You are likely to face many requests from your insurer. Sometimes, insurance companies deny claims for minor reasons. Having dealt with significant property damage or loss, you do not need to face these challenges alone. Our knowledgeable property damage lawyers can lead the claim process on your behalf.

How Our Lawyers Can Help

Here is how our experienced lawyers can help you seek compensation for the property damage you suffered:

Help You Learn the Details of Your Policy

At Costa Law, we have over 25 years of experience in helping clients navigate complex property damage claims. Our skilled lawyers bring a deep understanding of insurance policies and the legal system, ensuring you receive the compensation you are entitled to.

Property insurance policies can be challenging to interpret, but with our extensive experience, we will thoroughly analyze your coverage to identify every benefit available to you. Whether it is fire damage, vandalism, storm destruction, or a burst pipe, we will ensure your rights are protected.

Document Property Damage

Our collaborative approach is what sets us apart. Our team works closely across multiple practice areas, combining knowledge from real estate, business law, and civil litigation to strengthen your case.

This broad expertise means we can anticipate and address potential legal challenges, offering well-rounded solutions tailored to your case. We will help you document your damages thoroughly.

Hire Experts to Support Your Case and Negotiations

We will hire expert witnesses when needed. The professionals provide objective evidence that can significantly strengthen your claim. With decades of experience in negotiations, our lawyers have dealt with insurance companies that may attempt to minimize your payout.

We will not hesitate to take your case to court if the insurer fails to act in good faith. Our track record of successful litigation shows that we are fully prepared to do so.

Schedule a Free Consultation

At Costa Law, we go the extra mile for our clients. Our team’s combination of legal expertise, collaboration across diverse practice areas, and decades of hands-on experience allows us to provide exceptional representation.

When you work with our experienced lawyers, you will benefit from a committed legal team that will fight for your financial recovery and ensure your insurance claim is handled fairly. Contact us and discuss your case with a skilled lawyer.

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    Costa Law Firm is a law firm located in Toronto with exceptional credentials that stands out for its commitment to client service. Our service minded approach has led Costa Law Firm to be one of the most reliable law firms in Toronto.

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    Phone: (416) 535-6329
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