Question 1

What does Geraci LLP’s Property Damage Law Division do?

Accepted Answer

We represent homeowners, families, and businesses in disputes with insurance companies after property damage caused by fire, water, storm, smoke, ash, mold, landslides, mudslides, wind, and other catastrophic events. We handle delayed, denied, and underpaid claims and ensure insurers honor the full coverage provided under your policy.

Question 2

Do I really need a lawyer for a property damage claim?

Accepted Answer

Often, yes. Insurance companies use complex policies, depreciation tactics, and claim-evaluation software designed to minimize payouts. A lawyer ensures your damages are properly documented, challenged when undervalued, and paid in full. Many clients come to us after their insurer has failed to respond appropriately or has issued a lowball offer or denial.

Question 3

What if my claim has already been denied or underpaid?

Accepted Answer

You still have rights. Denials and underpayments can often be reversed through supplemental claims, expert evaluations, policy analysis, or legal action. Geraci LLP frequently recovers compensation even after an insurer claims the matter is closed.

Question 4

How do I know if my insurance company is acting in bad faith?

Accepted Answer

Bad faith may include:

Unreasonable delays
Lowball offers without explanation
Failing to properly investigate your loss
Ignoring clear evidence
Misrepresenting policy terms
Pressuring you to accept inadequate repairs
Repeatedly requesting the same information
If you suspect bad faith, contact us immediately for evaluation.

Question 5

What damages can I recover through my insurance policy?

Accepted Answer

Depending on your policy, coverage may include:

Structural repairs
Roof and exterior replacement
Water and mold remediation
Smoke and ash cleanup
Personal property replacement
Code-required upgrades
Debris removal
Additional Living Expenses (ALE)
Business interruption (for commercial claims)
We review your policy to determine exactly what you’re entitled to.

Question 6

What are Additional Living Expenses (ALE)?

Accepted Answer

ALE covers the cost of temporary housing, meals, transportation, storage, laundry, and other necessary expenses if your home is uninhabitable. Insurers frequently undervalue or prematurely cut off ALE. We ensure you receive safe, comparable living arrangements and full reimbursement.

Question 7

What should I do immediately after property damage occurs?

Accepted Answer

Prioritize safety
Document everything with photos and videos
Prevent further damage (tarp, board up, shut off utilities)
Keep damaged items for evidence
Notify your insurer — without giving recorded statements
Avoid signing contractor or cleanup agreements under pressure
Contact a property damage attorney early
Acting quickly protects your claim and prevents insurers from disputing coverage later.

Question 8

Can I choose my own contractor, or do I have to use the insurance company’s?

Accepted Answer

You have the right to choose your own contractor. Insurance “preferred vendors” often work under pricing limitations and may not perform a full restoration. We protect your right to proper and complete repairs.

Question 9

How long does the claims process take?

Accepted Answer

It depends on the type of damage, the responsiveness of the insurer, and whether disputes arise. Simple claims may resolve in weeks; complex or disputed claims may take months. When Geraci LLP is involved, insurers tend to respond faster and more thoroughly due to legal oversight.

Question 10

How do lawyers get paid for property damage cases?

Accepted Answer

Most homeowners pay nothing upfront. We typically work on a contingency basis, meaning we only collect legal fees if we recover money for you. This ensures every homeowner has access to powerful legal representation regardless of financial circumstances.

Question 11

What if the insurance adjuster says the damage is “not covered”?

Accepted Answer

Adjusters are not final decision-makers. They often misinterpret policy language, overlook hidden damage, or rely on software-generated estimates. Many exclusions have exceptions, and many denials are reversible. We review the policy and dispute improper findings.

Question 12

Can you help if my damage is from smoke or ash, even without visible fire damage?

Accepted Answer

Absolutely. Smoke and ash can cause significant hidden damage to HVAC systems, insulation, electronics, surfaces, and indoor air quality. These claims are frequently undervalued, and we ensure full testing, cleaning, and remediation are included.

Question 13

Do you handle commercial property damage claims?

Accepted Answer

Yes. We represent businesses, landlords, multi-family property owners, and commercial tenants facing structural damage, business interruption losses, inventory destruction, and other insurance disputes.

Question 14

What if my insurer keeps delaying my claim?

Accepted Answer

Delays are a common tactic to pressure homeowners into accepting less. If the insurer is unresponsive, repeatedly requests the same documents, or stalls inspections or payments, contact us immediately. Delay can be a form of bad faith.

Question 15

When should I contact Geraci LLP?

Accepted Answer

Immediately if:

The insurer is delaying or ignoring your claim
You received a low offer
Your claim was denied
Damage was extensive or complex
ALE benefits were denied or cut off
You’re unsure what your policy covers
Early involvement helps preserve evidence, avoid costly mistakes, and ensure you maximize your recovery.

Question 16

Didn’t Find Your Question Here? We’re Here to Help.

Accepted Answer

Contact Geraci LLP for a free consultation. Our property damage attorneys will review your claim, explain your rights, and guide you through the next steps.

FAQ

Frequently Asked Questions