If someone damages your property, whether accidentally or intentionally, they are typically responsible for the cost of the damage. Property damage claims can include:
- Physical damage to your car:
Under California law, if someone damages your vehicle, the insurance company must pay the lesser of the fair market value or the cost to repair your vehicle. The fair market value is whatever it would cost to buy a replacement car of the same make, model, condition, and mileage. The insurance company or person who damaged your car may also be responsible for the cost of the contents of your car.
- Physical damage to your home:
Damage to your home can include damage from fire, wind, flooding, earthquakes, and more. If your homeowner's insurance covers the type of damage incurred, then you deserve compensation. If someone else damages your home through negligence, recklessness, or an intentional act, you also deserve your compensation.
- Physical damage to other real property:
Damage to real property other than your home might include your vacation home, lawn, plantings, landscaping, dock, gazebo, swimming pool, and more.
- Damage to personal items:
Damage to your personal items might include items like your glasses, hearing aid, cell phone, computer, watch, clothing, or other personal items.
Statute of Limitations
In California, you must bring most property damage claims within three years of the date of the damage. If you fail to bring suit by that time, the California statute of limitations may bar your claim. So, you must seek legal advice as soon as possible after you discover property damage.
At the Progress Law Firm, we represent clients in every type of property damage claim, from auto accidents to disputes with insurance companies over claims for damage to your home. There's no need to go in circles with an insurance company. Their adjusters are paid negotiators, and they aren't on your side. Even if an insurance representative tells you that you don't need to talk to an attorney, you should. Discuss your case with the skilled attorneys at the Progress Law Firm.