Unrivaled
representation

About Us

At MoMo Law, our dedicated team of attorneys is unwavering in our commitment to delivering personalized and assertive representation for our clients.

With a wealth of experience, we specialize in navigating the intricacies of property damage claims. We are here to champion your case and secure the justice you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Aircraft Insurance Claims

At MoMo Law, our aircraft insurance claims attorneys protect our clients from insurance companies that delay, deny, or partially pay the financial recovery they are entitled to from their coverage agreement.

Aircraft insurance claims can include coverage for private jets, but also helicopters, hot air balloons, and other aerial vehicles that are used for personal or business transport and require financial protection for their occupants and physical composition at all times. Damage to these vehicles can be expensive, and if someone is hurt during its operation, their recovery needs can devastate your financial integrity.

If you need to file an aircraft claim with your insurance company, it is important to seek legal help to ensure your carrier takes the claim seriously and does not reject it upon receipt. Our aircraft insurance claims lawyers have more than 25 years of experience in creating unique solutions for our clients, so they are able to pursue the financial recovery they deserve after an accident.

What Are The Main Types Of Aircraft Insurance Claims?

The majority of aircraft insurance carriers design policies that respond to two types of claims:

Physical damage that occurs to the insured aircraft
Legal liability that results from damaging another person or their property

The details of what aircraft insurance covers will vary from policy to policy, and is based on the type of aircraft, how it is being used, and the financial underwriting verbiage that is outlined therein. When damage occurs to your aircraft from a hard landing, or if someone is hurt during flight, the policy can be pursued for both physical damage and the liability claim if it is written accordingly.

The details of your aircraft insurance policy are unique, so before submitting a claim, contact our aircraft insurance claims attorney at MoMo Law at (512) 640-5138 to understand specifically what is and is not covered before submitting a claim to the insurance company. Our law office provides free consultations and may take your case on a contingency basis, so you do not have to pay for our legal services if we do not solidify financial recovery on your behalf first.

What Are The Most Common Causes Of Aircraft Claims?

Physical damage to an aircraft can occur in many ways, which is why insurance coverage is so important.

Some of the most common types of physical damage to an aircraft can result from:

Aircraft defects, including engine or parts failures
Birds or wildlife encounters
Collisions with hangars, buildings, or support vehicles
Communication issues with air traffic control or grounds crews
Gear-up landings
Hard landings
Taxiing incidents
Wind, lightning, or hail storms

The legal liability portion of the insurance policy is equally important if someone is hurt onboard the plane, or if their property is damaged in any of the aforementioned occurrences.

When someone is hurt while onboard an aircraft or is injured on the ground by the aircraft, they are entitled to financial recovery, which can put the aircraft owner in a significantly difficult financial position.

Personal injury victims can require financial recovery for:

Medical treatment costs
Lost wages
Lost earning capacity
Pain and suffering

Because each aircraft incident is unique, it is important to understand the provisions of your insurance policy and what the process is for getting the insurance provider to protect your interests.

At MoMo Law, our aircraft insurance claims lawyers will review your policy, the damage to your plane, helicopter, or aerial vehicle, and any personal injuries that occurred to ensure your policy covers the damages you are seeking.

With our aircraft insurance claims attorneys’ help, you can pursue a claim that is fully developed, leaving little room for the insurance company to deny, underpay, or delay the claim. With our accomplished aircraft claims lawyers by your side, you can face the insurance company with confidence.

What If The Insurance Company Already Denied My Aircraft Claim?

Insurance companies often deny aircraft claims immediately, which creates more work for the policyholder. They know that the more work you have to do to appeal the denial, the less likely you are to seek the best outcome available for your case.

If you have already had your aircraft insurance claim denied, Our Aircraft Insurance Claims lawyers can help you appeal to the insurance company to pursue the financial recovery you deserve. You do not have to take no for an answer after property damage or personal injury has occurred during your aircraft’s use simply because you received a denial letter from the insurance company.

Allow the aircraft insurance claims lawyers at MoMo Law to fight for your financial rights by calling (512) 640-5138 to schedule a free consultation to discuss your policy and overall financial recovery needs today.

MoMo Law is an Aircraft Insurance law firm. Our Aircraft Insurance attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Aircraft Insurance claim attorneys can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Artwork Insurance Claims

Owning valuable artwork, sculptures, collectibles, and unique collections is a prideful investment many make to enhance their home’s appeal and their overall personal enjoyment. These assets can require increased insurance coverage to ensure they are protected from any unforeseen damage that might occur throughout their ownership. At MoMo Law, our artwork insurance claims lawyers understand that when theft or destruction of your valuable pieces occurs, you expect your insurance company to pay for its restoration or replacement. Unfortunately, your insurance company may read your policy differently than you do and only offer a portion of its value in return for your loss — or worse, reject your claim altogether.

Our Artwork Insurance Claims Attorney respects the value of your artwork claim and can help you pursue the insurance company for the full amount of your policy’s coverage to ensure you are made whole again after these devastating losses occur.

Does My Property Insurance Cover My Fine Art Collection?

The short answer is, that it depends on your insurance coverage and the policy that was written to protect your overall assets and their total value. Artwork insurance coverage is crafted specifically to the unique circumstances of your needs, and the verbiage contained in each policy will differ.

The variables that differentiate one coverage agreement from another outline the type of art, and where is it stored or displayed, which can include:

Antiques
Drawings
Paintings
Photographs
Stamp and coin collections
Statues, sculptures, and figurines
Other valuable collectibles

If the artwork in question exceeds the value of your homeowner’s insurance policy, you may need to add a separate floater or supplemental policy that will specifically cover the significance of the piece(s) to ensure you can be reimbursed for any damages or theft that occur.

If you are unsure whether your valuable artwork or collection is included in your existing insurance policy, our experienced Artwork Insurance Claims Lawyers can help you determine exactly how much the coverage is worth.

What Type Of Protection Does My Artwork Insurance Policy Cover?

At MoMo Law, P.A., our artwork insurance claims attorneys understand that each policy is designed to protect your unique needs.

It is important to communicate and outline that any damages to your artwork should be covered in that policy and the insurance company writes the language accordingly, so you are protected in case of:

Damage from natural disasters, including hurricanes and floods
The destruction that occurs while in transit
Fire damage
Personal damage from occupants and/or visitors
Theft
Vandalism and other intentional damage
Water damage

The restoration or complete destruction costs of your artwork require diligence, so you are never left with a partial payment or outright rejection from the insurance company when something goes wrong. Unfortunately, even when you are sure your coverage applies — and your premiums have been paid in full — the insurance company may respond with resistance to your claim anyway.

Our MoMo Law, P.A. artwork insurance claims lawyers will help you face their opposition with confidence.

How Can MoMo Law P.A. Attorneys Help Me Recover The Artwork Insurance Payment I Deserve?

For more than 25 years, our artwork insurance claim attorneys in have represented private collectors, artists, and business owners who have suffered damage or complete losses to their collections.

Whether they are antiques or fine art, the connection you share, both financially and personally, can be disrupted in seconds when a burglary or natural disaster occurs, or when a fall or spill compromises the piece’s integrity.

You have insured your artwork or collection to ensure that if something happens to it, you are not financially burdened with its repair or replacement costs. And once that “if” becomes “when”, the insurance company should provide the financial recovery you deserve for your losses. When they do not uphold their end of the policy, we can help you pursue the financial obligation that is outlined in your coverage.

If We Do Not Win Your Case, You Do Not Pay For Our Legal Services

Our artwork insurance claim lawyers, at MoMo Law, believe that when you file a claim with your provider due to any misfortune that befalls even a single piece of your collection, you should expect to receive compensation from the policy you have paid for.

If you have yet to file a claim and need an accomplished attorney to walk you through the process, Artwork Insurance Claims Attorney can help you pursue the best financial outcome available — with the least resistance.

If you have already filed an artwork insurance claim, and believe it was wrongfully denied, delayed, or underpaid, we can help there too.

Call Our Artwork Insurance Claims Attorneys Now

Contact our knowledgeable insurance claims for artwork attorneys at MoMo Law today by calling (512) 640-5138 to schedule a free consultation.

Our Artwork Insurance Claims law firm will provide the aggressive representation you need to recover the best financial outcome available from the insurance company for your unique case. And if we do not win, you do not pay for our services.

MoMo Law is an Artwork Insurance law firm. Our Artwork Insurance attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Artwork Insurance claim attorney can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Assignment of Benefits

At MoMo Law, our Assignment of Benefits attorneys have been protecting the rights of our residents and others throughout the state for more than four combined decades.

Our Assignment of Benefits lawyers focuses on representing those who are struggling with homeowner’s insurance claims and are considering making the decision to assign the collection of those claims to contractors amid distressed times when repairs must be made to their homes quickly. Assignment of Benefits contracts may seem straightforward when you need immediate repairs, but the complexity lies in your insurance coverage itself, and our lawyers can help you separate the allure of these contracts versus the reality of your responsibilities after signing the legally binding agreement.

What is An Assignment of Benefits?

An Assignment of Benefits contract is a document signed by the policyholder — the property owner — that allows a third party to seek direct payment from the insurance company for services rendered in the policy owner’s stead.

Assignment of Benefits, or AOB, is a popular resource for homeowners and other property owners who suffer damages from storms, water damage, or structural damage and need immediate repairs, but do not want to shoulder the costs of the renovations while their insurance policies lag in covering the overall expenses.

By signing the AOB, the property owner gives the roofer, plumber, or another third-party contractor the ability to bill the insurance company directly for the repairs, theoretically taking the policyholder out of the equation.

Why Would I Need A Lawyer Before Signing A Contract?

At MoMo Law, our Assignment of Benefits attorneys understand that immediate repairs to your home may be more than a want, but an actual need. Broken pipes, water damage, or even fires can disrupt your family’s quality of life in many ways, and when you cannot wait for the insurance company to pay before contracting the repairs, stress will begin to take over.

Consulting with an attorney before signing an Assignment of Benefits contract is imperative because insurance companies are balking at repayment, and the contractors who hold the benefits from your contract may stop work on your home immediately until the outstanding costs are paid.

Worse, you could become personally responsible for the total costs of the repairs if the insurance company denies the claim altogether, due to a technicality in your policy’s verbiage or coverage agreement.

Are Insurance Companies Legally Allowed To Deny Claims?

In December 2018, the Florida Supreme Court accepted the review of a case presenting the question as to whether the Assignment of Benefits restrictions should be permitted in homeowner’s policies.

In short, the case under review claims that the insurance policy in question states that “all” insureds, all additional insureds, and all mortgagee(s) named in the policy must sign the Assignment of Benefits before it can be enforced.

In this case, the wife was the only person who signed the AOB. The husband, whose name is also on the policy and the mortgage, did not sign the contract, making it void — according to the insurance company.

The result of this lengthy argument will likely change the way AOB are handled going forward, which further requires an attorney’s representation before any contract is signed.

You do not want to be held personally responsible for costly repairs simply due to the confusing verbiage in your insurance policy. Contact MoMo Law Assignment of Benefits lawyers by calling (512) 640-5138 before you sign any contract that may hold you liable for the expenses.

What If I Have Already Signed A Contract?

Our Assignment of Benefits Attorney understands that some repairs simply cannot wait and that an AOB contract may have been your only option in getting your home back in working order.

If you have already signed the contract, the control of the rights and benefits provided by your policy in resolving the claim may belong to the third-party contractor.

Contact our AOB law firm today and allow us to review the contract while supplying the legal representation you need to ensure the agreement is being fulfilled.

Keep in mind, that the breakdown in AOB contracts typically begins with the insurance policyholder, as most insurance companies are not in a hurry to pay a claim. What’s more, is that insurance companies are claiming that third-party contractors are taking advantage of their position as the collector, and are often unwilling to pay the full amount required for your repairs.

It is important to understand your rights during these circumstances, and our Assignment of Benefits lawyers in can help protect you before and after a contract is signed.

Contact Our Skilled Assignment of Benefits Lawyers Today For A Free Consultation

At MoMo Law, P.A., our boutique law firm has more than 25 years of experience representing policyholders as our Assignment of Benefits lawyers work tirelessly to protect your rights against large insurers and third-party contractors. If you have questions regarding your insurance policy and how signing a contract will affect you, call our skilled lawyer today at (512) 640-5138 to schedule a free consultation to ensure your rights are protected.

MoMo Law is an insurance law firm. Our attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Assignment of Benefits claim attorney can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Bad Faith Insurance Claims

Insurance coverage is a necessary part of life no matter what type of property you own, and our bad-faith insurance claims attorneys have spent more than 25 years protecting our community from insurance companies who are rejecting or delaying payments for coverage that are listed in our clients’ policies.

The contract you sign with your insurance company is legally binding, and when the coverage you believe is in place is rebuffed by your carrier, your home, or boat repairs can be placed on hold, putting you in a difficult financial position. At MoMo Law, our bad faith insurance lawyers have been resolving insurance matters for our clients for over two decades, seeking the full compensation they deserve by forcing the insurance company to meet the requirements that their policies demand.

How Do I Know What Is Actually Covered In My Insurance Policy?

It is important to understand that your insurance coverage, and the contract you signed, require compliance from both sides of the agreement.

Your insurance premiums must be paid on time, and in full, for the coverage to remain in effect. As long as you comply with your insurance coverage requirements, the insurance company is contracted to provide the coverage you agreed to in the legally binding contract.

Admittedly, the contract you sign can be confusing, as the verbiage can include exceptions and financial constraints that are less than straightforward. Oftentimes, this is deliberate. It is no secret that insurance companies will do everything in their power to avoid paying claims quickly and in full, and that simply is not fair to our community.

If you believe your insurance company is denying a claim they should cover, contact MoMo Law today at (512) 640-5138 to understand how our bad faith insurance claims lawyers can help you hold them accountable for the full coverage listed in your agreement.

What Types Of Bad Faith Insurance Claims Clients Does MoMo Law P.A. Represent?

Our bad-faith insurance claims lawyers want to help you and your family get the most out of your policy, even when the insurance company is fighting the terms of your agreement.

No matter which type of coverage you have, if your insurance company has denied or delayed your claim for reasons that seem unfair, we want to help you hold them accountable.

Our bad-faith insurance law firm will fight for policyholders, including those with

Aviation insurance
Boat Insurance
Commercial liability insurance
Health insurance
Homeowner’s Insurance
Life insurance

If your claim was wrongfully denied by your insurance company, our bad-faith insurance attorneys want to help you pursue the financial recovery you deserve by holding the insurer accountable for the coverage you have paid for.

How Do I Know When My Insurance Company Is Wrongfully Denying My Claim?

Bad faith insurance claims are often overlooked because, to put it simply, most policyholders expect their insurance companies to put up a fight after their claim is submitted. Insurance companies have a long history of complicating coverage to make sure they come out on top.

Bad faith insurance practices can be easily recognized when any of the following occurs after you file an insurance claim and it is:

Denied outright without a valid explanation
Not investigated properly, in a timely manner, or is outright refused
Intentionally misrepresented in the terms of your coverage
Prolonged unnecessarily before reaching a settlement
Knowingly offered at less than what your policy covers

The truth is, that insurance company representatives are trained to undervalue claims or to outright deny them immediately, causing the policyholder to counter their rejection or delay until they receive some of the compensation they deserve.

At MoMo Law, partial compensation is not good enough for our clients. If your insurance company is not fulfilling its obligation to pay for the damages to your home, boat, or other insurance coverage policy, you may have a bad faith insurance claim that can be pursued by our accomplished Bad Faith Insurance law firm.

How Does MoMo Law P.A. Differ From Other Bad Faith Insurance Attorneys?

Our bad faith insurance claims attorneys know that you work hard to pay your insurance premiums and that the reason you are careful to maintain the proper coverage on your person, family, and property is that you may actually need the financial support it offers one day.

When that day comes, and the insurance company does not uphold the obligations outlined in your insurance coverage, they are doing more than putting you in a difficult financial position, they are disrupting your overall quality of life.

At MoMo Law, our bad-faith insurance lawyers will aggressively pursue the insurance company on your behalf for the fair and timely compensation you deserve.

As a policyholder, you are entitled to file a legal claim against the insurance company for the damages that should have been paid and additional damages that resulted from their bad-faith approach to handling your claim. Our experienced Bad Faith Insurance Claims Lawyer will help you get the results you deserve quickly and effectively.

Has Your Insurance Company Denied Your Claim? Contact Our Bad Faith Insurance Lawyers Today To Schedule A Free Consultation

At MoMo Law, P.A., our bad faith insurance attorneys have the experience necessary to leverage the insurance companies to provide the compensation our clients deserve without delay. And if we do not recover the settlement or jury verdict you deserve, you will not be charged a fee for our services.

Our boutique law firm provides the personalized legal representation our clients need to find success after their insurance claim has been delayed or denied, and we can do the same for you by scheduling a free consultation with our Bad Faith Insurance Claims firm today by calling (512) 640-5138 to learn how we can protect your rights and pursue the compensation you deserve.

MoMo Law is a Bad Faith Insurance law firm. Our Bad Faith Insurance attorneys in offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Bad Faith Insurance claim attorney can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Boat Insurance Claims

if you are a boat owner, you know that boating requires comprehensive insurance coverage that covers the boat itself, the people enjoying its use, and the other vessels and their passengers who share our waterways, lakes, and seas.

At MoMo Law, our boat insurance claims attorneys understand that just because you have an insurance policy to protect you in case of an accident, storm, or third-party negligence, the insurance company is not always going to pay the maximum amounts they have outlined in your policy. Insurance companies have long been notorious for writing policies they never plan to cover, and when our residents fall victim to insurance denials, partial payments, or slow-paying recovery methods, our boat insurance claims lawyers are here to force their hands.

What Type Of Boat Damage Will My Insurance Policy Cover?

Each boat owner’s insurance policy will differ and is based on many factors, including the type and value of the boat. Depending on what type of coverage you require, and whether the boat is used for commercial or private use, the policy will be unique to your needs.

The purpose of boat insurance is to protect you and your financial standing should any of the following occur:

Collisions with another craft
Dock damage
Hurricane or storm damage
Injury to a passenger, including:
- Amputation
- Back injury
- Broken bones
- Burns
- Contusions
- Drowning
- Head injury
- Hypothermia
- Internal injuries
- Lacerations
- Neck injury
- Shock
- Spinal injury
- Sprain/strain
On-the-water accidents, including:
- Capsizing
- Collision with a fixed object
- Flooding/swamping
- Grounding
- Sinking

The Cost of Boat Accidents

The property damage total does not include the costs associated with the personal injuries or wrongful death cases that were brought forth by those who were hurt or the families who lost their loved ones. If an injury occurs aboard your boat or as a result of a collision with your boat, and you are sued by the passenger or another boater, the financial fallout can be life-changing.

Insurance coverage is designed to protect you from the worst-case scenarios during boat ownership, which can include everything from losing your vessel completely during a hurricane to another boater colliding with your vessel and sinking it fully.

Our boat insurance claims attorneys know that while these are instances you cannot control, your insurance policy is in place to protect you from the unknown. And when your insurance company fails to make good on the policy that they wrote, you do not have to accept their deflated offer. And you should not compromise your position.

Why Is My Boat Insurance Company Unwilling To Pay What I Deserve?

When your boat has been damaged for any reason, whether it was docked and hit by another negligent boater or was run aground while at sea, insurance companies are going to estimate the damages at much less than they are actually worth to avoid paying the full amount that you deserve.

Your insurance company may offer several reasons as to why they are giving you a less-than-fair offer for your damage, including possibly that the cause of the damage could not be determined or confirmed.

While this tactic is upsetting to policy owners, insurance companies will play hardball with their clients to disprove their obligation to pay for the damages that occurred.

At MoMo Law, our boat insurance claims lawyers know all the insurance company’s tactics for offering a compromised payout that leaves many boat owners paying out of pocket to cover the actual expenses.

Do not allow the insurance company to intimidate you. Call our boat insurance claim law firm to learn how we can help you pursue the proper settlement of the jury verdict you deserve.

How Can MoMo Law Help Me Recover From A Boat Insurance Claim?

At MoMo Law, our boat insurance claims attorneys provide free case assessments that allow our Boat Insurance Claims Lawyers firm to learn more about your boat, its damage, and the policy that was written to protect you.

Once we have reviewed your claim, we will protect your rights fully inside or outside a courtroom to ensure you get the compensation you deserve from the insurance company which is fully responsible for covering the damages that are outlined in your policy. You have paid your premiums, and upheld your end of the insurance policy they wrote — now it is their turn to provide the services and financial coverage protection that was agreed upon.

Call Our Boat Claims Lawyers For Free Consultation

If you have suffered damage to your boat in any capacity, and are getting payment resistance from the insurance company, contact our boat insurance claims lawyers at MoMo Law, today at (512) 640-5138 to discover how we can help you win this fight. Because if we do not win your case, you do not pay.

MoMo Law is a Boat insurance claims law firm. Our Boat claims attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Boat claims attorneys can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Broken Pipe Damage Claims

Insurance laws establish a clear set of guidelines for handling broken pipe claims. These laws define the obligations of both insurance carriers and policyholders, ensuring a fair and efficient resolution of claims. Central to these regulations is the principle of ‘good faith,’ mandating that insurers must handle claims responsibly and promptly.

However, the intricacies of these laws can be complex. For instance, the specific conditions under which a broken pipe claim is valid can vary. This is where MoMo Law’s broken pipe damage lawyers become invaluable. Our insurance claims lawyers are adept at navigating the nuances of insurance laws, ensuring that the claims process adheres to legal standards, and advocating for the policyholder’s rights while ensuring compliance with regulatory obligations.

Scope of Broken Pipe Insurance in Homeowners’ Policies

The scope of insurance policies for broken pipes typically encompasses several key areas, each with its nuances and conditions.

Coverage for Pipe Repairs
Generally, many policies do include coverage for the cost of repairing the actual broken pipe, which can be a significant relief for homeowners facing such issues. However, it’s important to note that there are exclusions in certain policies. For instance, repairs might not be covered if the breakage results from negligence on the part of the homeowner, such as failing to properly maintain the plumbing system, or if it’s attributed to normal wear and tear over time.
Mold Remediation
While some policies do offer coverage for mold removal and remediation as a direct consequence of water damage caused by a broken pipe, it’s essential to be aware that such coverage often comes with its own set of limitations. Typically, insurance policies may impose a cap on the amount they will pay for mold-related claims. This means that while some financial relief is provided for mold remediation, the extent of this coverage is bounded by predefined limits.
Water Damage Coverage
It usually includes damage to various parts of the home, such as walls and floors, as well as personal property that may have been affected by the water from the broken pipe. However, the extent to which the damage is covered can be subject to the specific limits outlined in the policy.

This detailed analysis is vital to determine the validity of a claim and the amount that can be rightfully claimed under the policy. Our broken pipe insurance claims attorneys can meticulously review and interpret policy documents, identifying the coverage limits, exclusions, and conditions that apply to broken pipe damages.

Common Causes of Broken Pipes

Several prevalent causes of broken pipes are not only limited to climatic characteristics. Some of the common causes of broken pipes include:

Aging Infrastructure
Many buildings, especially older constructions, have plumbing systems that have deteriorated over time. This natural wear and tear can lead to weakened pipes that are more susceptible to breaking.
Saline Air Corrosion
Proximity to the ocean means that the air is often laden with salt. This saline air can accelerate the corrosion of metal pipes, making them prone to breakages.
Ground Shifts
Areas built on reclaimed land can experience subtle ground movements. These shifts, although often minor, can put additional stress on pipes, leading to fractures or breaks.

Understanding these common causes helps in the early identification of potential risks and informs the appropriate maintenance strategies to prevent pipe breakages, and determine whether it is covered within the insurance policy.

Steps to File Broken Pipe Claims

Filing a broken pipe insurance claim involves several critical steps:

Immediate Reporting
As soon as a broken pipe is detected, it’s important to report the incident to the insurance company. This prompt action is crucial for a swift response and claim processing.
Documentation
Gathering evidence is essential. This includes taking photographs of the damage and obtaining repair estimates. Detailed documentation aids in substantiating the claim.
Policy Review
Understanding the specific terms of your insurance policy is vital. Our broken pipe insurance claims lawyers can assist in interpreting the policy’s coverage and limitations, ensuring a clear understanding of what is claimable.
Professional Assessment
Having a professional assess the damage can provide an objective viewpoint on the extent and cause of the damage, which is valuable for the claim.
Claim Submission
Once all evidence and assessments are gathered, the claim must be submitted with the necessary documentation. This step is crucial for the initiation of the claims process.
Legal Consultation
Seeking advice and representation from our broken pipe insurance claims attorneys can guide you through the complexities of the claims process and advocate on your behalf for a fair and just resolution.

Each of these steps plays a crucial role in the successful filing and processing of a broken pipe insurance claim, ensuring that the policyholder’s rights are protected and the claim is handled efficiently and effectively.

We Are Your Advocates in Broken Pipe Insurance Claims

MoMo Law occupies a pivotal position in the realm of broken pipe claims, providing unmatched expertise and support to policyholders. Our team of experienced broken pipe claims attorneys is well-equipped to offer unrivaled guidance and representation in these complex cases.

Our approach to handling broken pipe claims is both strategic and client-focused. We assess each case individually, developing a tailored strategy that maximizes the likelihood of a successful outcome. This personalized approach is key in addressing the unique aspects of each claim.

With our profound legal acumen, our broken pipe insurance claim attorneys are skilled negotiators who will advocate fiercely on your behalf. Contact MoMo Law today for a free consultation, and experience the peace of mind that comes from having a formidable ally in your corner.

Protecting Your Rights For More
Than Four Combined Decades

Business Insurance Claims

At MoMo Law, our business insurance claims attorneys have worked tirelessly to build a firm with the integrity and experience necessary to successfully represent other business owners— and we know you have worked equally hard to create success for your business, too.

Whether you are a retail business owner with an inventory to protect or a service provider that has taken all the necessary steps to ensure that their insurance coverage matches their business’s needs, your future and its protection could lie in the hands of your insurance company should something go wrong.

Our business insurance claim lawyers know that insurance coverage is designed to protect your company from the unknown. And when the unknown becomes a reality, and the insurance company is suddenly unwilling to uphold its portion of the policy and its protection, you do not have to take it lying down. Our business insurance claim lawyer firm will aggressively pursue the financial recovery you deserve — that you have paid a premium for — so the damages your business sustained will be covered without you paying out of pocket.

What Type Of Damage Does My Business Insurance Policy Cover?

Depending on the type of business you are in, how large it is, and how many employers you have, your insurance coverage needs will differ from another company’s requirements. Insurance companies design policies that protect both common and unlikely damages, and you agree to the coverage because it is better to be safe from all angles than to lose the business you worked so hard to build.

Business insurance coverage can include, but is not limited to:

Property damage insurance, including:
- Fires
- Hurricane and storm damage
- Mold
- Sinkholes
- Vandalism or deliberate property damage
- Water damage
Company vehicle insurance
Product liability insurance
Professional liability insurance
General liability insurance
Business interruption insurance, including:
- Lost clientele/lost income
- Moving or temporary relocation costs
- Rental fees and leases
Workers’ compensation insurance

Commercial insurance coverage is designed to protect your business in good times and bad, and when something happens that requires you to submit is claim, it should never be met with rejection or an unfair offer from the insurance company.

At MoMo Law, P.A., our business insurance claims lawyers will take the lead in pursuing the highest financial compensation possible from the policy and insurance company you have to help you protect your business or rebuild it entirely.

How Can MoMo Law, Help My Business With Insurance Claims?

Our business insurance claim Attorneys can assist businesses before, during, and after they submit their claims to the insurance company to ensure that your personal and commercial rights are protected throughout the process.

We will prepare your claim to ensure the coverage that is outlined in your insurance policy is reflected in the submission, creating fewer obstacles for you and giving the insurance company very little room to deny the claim.

Next, we will negotiate the claim if – or more likely when – the insurance company makes a counteroffer that is simply not up to the financial standard you deserve. Should negotiations fall apart at any time during the process, we will litigate your claim in a courtroom.

Our business insurance claims attorneys have the resources, experience, skill, and confidence to assess your needs and to substantiate the damages that your business incurred, so we can pursue the maximum compensation you deserve.

What If I Have Already Filed A Business Insurance Claim And Was Denied?

Insurance litigation is one of our strongest assets at MoMo Law Our accomplished business insurance claims attorneys are simply not interested in taking no for an answer, and neither should you.

Your business is the lifeblood of your future, and without it – or the proper financial recovery to rebuild it – your financial livelihood could be devastated. If you have received a denial for your business insurance claim, contact our law firm at (512) 640-5138 right away to learn how we can protect your rights while countering the insurance company’s response.

If your insurer is conducting your claim in bad faith, we will work aggressively to hold them accountable. It does not matter how complex your insurance claim may be, our Business Insurance Claims Lawyers have more than two decades of combined experience in producing results for our clients, and we can pursue the same for you and your company.

Contact Our Business Insurance Claim Attorneys Today To Schedule A Free Consultation

No matter why you are filing a business insurance claim, it is important to pursue the full amount of the coverage outlined in your insurance policy, and with our effective legal guidance, you will gain the confidence you need to produce results.

Contact our skilled business insurance claim lawyers at MoMo Law today at (512) 640-5138 to schedule a free consultation and learn how we can help you get the results you need.

MoMo Law is a Business Insurance law firm. Our Business Insurance attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Business Insurance claim attorney can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Earthquake Damage Claims

While seismic activity is not widely known, it is not immune to the effects of earthquakes. Historically, the state has experienced several minor tremors, with the potential to cause unexpected and significant property damage.

The rarity of these events often leads to a lack of preparedness among residents and property owners. Therefore, understanding the potential for such natural disasters is crucial. MoMo Law, with over 25 years of experience, stands at the forefront of providing legal assistance for earthquake damage claims.

Types of Earthquake Damages Covered in Insurance Policies

Earthquake insurance policies are designed to provide comprehensive protection against various types of damages caused by seismic events. The coverage typically includes:

Structural Damage
This includes any harm to the physical structure of a building, like cracks in walls, damaged foundations, or collapsed roofs. Structural damage is typically the most significant and costly aspect of earthquake damage.
Non-Structural Damage
These damages refer to harm that does not affect the overall stability of the building but includes broken windows, damaged doors, and interior wall cracks. Non-structural damage, while less severe, can still be costly to repair.
Personal Property Damage
This covers damage to personal belongings such as furniture, electronics, clothing, and other household items. The coverage extends to items inside the home that are damaged as a result of the earthquake.
Living Expenses
If an earthquake renders a home uninhabitable, insurance policies often cover additional living expenses (ALE). This includes costs for temporary housing, meals, and other necessary expenses incurred while the primary residence is being repaired.
Business Interruption
For commercial properties, earthquake insurance can cover business interruption losses. This includes lost income and operating expenses that occur when a business is closed for repairs after an earthquake.

Each type of coverage has its specific terms and limits, and it is essential for policyholders to thoroughly understand their policy to ensure comprehensive protection against earthquake damages.

Exclusions in Earthquake Insurance Policies

Earthquake insurance policies, while providing crucial coverage, also have several common exclusions that policyholders need to be aware of:

Sinkhole Damage
Often confused with earthquake damage, sinkhole-related damages are typically not covered under earthquake insurance policies. Differentiating between these two types of damage is crucial for claims.
Flooding
Post-earthquake flooding, whether from natural sources or burst pipes, is generally excluded from standard earthquake insurance policies.
Landscaping and Exterior Damages
Damages to landscaping, gardens, and external structures like sheds or fences are usually not included in earthquake insurance coverage.
Fire Following Earthquake
If a fire is ignited as a result of an earthquake, the resultant damages might not be covered under an earthquake policy, but rather under a standard property insurance policy.
Intentional Damage or Negligence
Any damage that is a result of intentional actions or negligence is not covered in earthquake insurance policies.

Understanding these exclusions is key to assessing whether one’s earthquake insurance provides adequate coverage.

Common Reasons for Disputes in Earthquake Damage Claims

Disputes often arise due to discrepancies in the assessment of damages or disagreements over policy coverage terms. Policyholders may find themselves facing challenges such as:

Discrepancies in Damage Assessment
Differences in the valuation of damages between the policyholder and the insurer can lead to disputes. This is often a result of varying interpretations of damage severity or repair costs by the parties involved.
Ambiguity in Policy Coverage
Misunderstandings or ambiguities in the terms of the policy often result in disagreements over what is covered. These ambiguities can stem from complex policy language or differing expectations between the insurer and the insured.
Delayed Claims Process
Delays in the claims process can lead to frustration and disputes, especially if policyholders are in urgent need of funds for repairs. Extended waiting times can exacerbate financial strains and heighten tensions.
Denial of Claims for Technical Reasons
Insurers may deny claims based on technicalities, such as failing to meet certain claim filing deadlines or not providing sufficient evidence of damage. This often leads to policyholders feeling unfairly treated or misled.
Underinsurance
If the property is underinsured, disputes may arise when the insurance payout is insufficient to cover the full extent of the damage. Such situations highlight the importance of accurately assessing the value of the insured property.
Exclusion Clauses
Disagreements often occur over the application of exclusion clauses, especially in cases where the cause of damage is disputable. The interpretation of these clauses can significantly impact the outcome of a claim.

Navigating these disputes requires a nuanced understanding of insurance law and policy language.

Dedicated Team of Lawyers for Earthquake Damage Claims

When facing the aftermath of an earthquake, considering the services of an insurance claims law firm, like MoMo Law, can be a crucial step in ensuring fair and adequate compensation for damages. Our earthquake damage insurance claim lawyers bring several key advantages:

Advocacy in Disputes
Disagreements with insurance companies over the value and scope of damages are common. Our earthquake damage claim lawyers act as powerful advocates, challenging undervaluations or unjust denials and negotiating for a fair settlement.
Legal Expertise in Claims Process
Our insurance claims lawyers are well-versed in the procedural aspects of filing and pursuing an earthquake damage claim. They ensure that all necessary documentation is correctly submitted and deadlines are met, reducing the chances of technical denials.
Representation in Litigation
If a fair resolution cannot be reached through negotiation, our earthquake damage claim attorneys can represent you in court, presenting a well-structured case backed by legal analysis and evidence.
Stress Reduction and Time Saving
Dealing with earthquake damage claims while recovering from the disaster can be overwhelming. Our lawyers take on the burden of these negotiations and legal processes, allowing you to focus on recovery and rebuilding.

If you are challenged handling your earthquake damage claim, MoMo Law will not just be your legal advisor but a trusted ally. Contact us today for a free consultation and ensure that your rights and interests are protected in the wake of earthquake damage.

Protecting Your Rights For More
Than Four Combined Decades

Fire Damage

At MoMo Law, our fire damage claim attorneys know how devasting a property fire can be. Even if the flames were extinguished quickly, the smoke and ash damage can lead to expensive repair bills and even complete loss. Property insurance coverage protects home and condo owners from having to pay for these damages out of pocket, which provides confidence when it’s time to file a claim. You have paid your premiums. You know the coverage is included in your policy. Why wouldn’t the insurance company pay for your losses?

Unfortunately, our clients know that fire insurance claims are more complex than submitting your expenses and receiving a check for the damages. That is where our fire insurance claim lawyers come in.

Insurance companies will do everything in their power to discredit your fire’s cause, so they do not have to pay for the damage that occurred. When they do not pay for your complete damages, you may not get the full amount you need to successfully recover from the property fire damage.

We can help you pursue the maximum financial recovery that is outlined in the policy your insurance company wrote, using our experience, skill, and legal resources to ensure your property is repaired or replaced in the way you deserve.

Contact our dedicated home and commercial fire damage claim attorneys today to learn how we can help you face the insurance company with confidence.

How Many Fires Occur Each Year in The United States?

According to the U.S. Fire Administration, there were 1,319,500 fires last year in the United States.

Those fires caused:

3,400 deaths
14,670 injuries
$23 billion in losses

The USFA describes residential fires as the leading property type for:

Nearly 77% of all fire injuries
Over 73% of all fire deaths
More than 54% of all the financial losses from fires

What Are The Most Common Causes Of Residential Fires?

At MoMo Law, our fire damage insurance claims lawyers know that fires can happen anywhere, including your home, condominium, garage, shed, backyard, or other property.

When a fire does occur, it only takes seconds for the damage to follow, and the fallout of a lingering flame can devastate your home, property, and possessions.

The most common causes of residential home and property fires can include, but are not limited to:

Appliance failures
Arson
Barbecues
Candles
Children playing with fire
Christmas trees and decorations
Cooking equipment and accidents
Defective wiring
Electrical equipment
Flammable liquids
Gas Leaks
Lighting/lamps/lampshades
Lightning
Smoking

No matter how the fire on your property occurred, our fire damage claims attorneys can assist you in preparing your fire damage claim and negotiating the financial requirements necessary to make you whole again.

If you have already submitted a fire damage insurance claim and it has been delayed, undervalued, or denied, we would like to help you get the financial results you deserve by pursuing the insurance company for the full coverage you have paid for.

What Are The Most Common Causes Of Commercial Fires?

At MoMo Law, our skilled commercial fire damage claim attorneys know that fires can happen anywhere. And when they occur at your business or another commercial property, your livelihood is immediately jeopardized.

Unfortunately, the insurance companies treat commercial fire damage insurance claims the same way they do residential fire damage claims: By doing everything they can to pay as little as possible for the damages.

We want to help you get the most from your property fire damage claim from the beginning of the claim process.

Some of the most common causes of commercial fires include, but are not limited to:

Arson
Cooking equipment
Electrical and lighting equipment
Flammable risks
Heating equipment
Smoking materials

If you would like to submit a commercial fire damage insurance claim, you must account for any inventory, machinery, and other property that has been destroyed by the flames or impacted by the smoke, ash, or sprinkler systems.

Our skilled fire damage claims attorneys can help ensure your claim is completed and submitted properly to include all the necessary details, so you can pursue the best outcome from the insurance company.

What Types Of Fire Damage Insurance Claims Can MoMo Law P.A. Help With?

Fire damage requires specialized care and cleanup, and depending on the structure that was damaged, different parties and their insurance companies may be responsible for the damages.

At MoMo Law, our fire damage insurance attorneys represent:

Home or condo owners
Homeowners’ or Condominium Associations
Business and commercial property owners
Vehicle owners

No matter where your fire damage occurred, if your property is insured, and your premiums are up to date, the insurance company owes you a fair evaluation of all damages. We can help ensure that is true, starting with a free consultation.

Should I Take My Insurance Company’s Word For Partial Damage Payouts?

The basic rule of thumb when dealing with insurance companies is that they are never going to value your losses at the proper rate that is covered by your policy. Their objective is to pay as little as possible, or even reject payment altogether.

If your insurance company offers a partial payment for the damages their adjuster has assessed, it is important to do your own investigation to ensure the overall damage is accounted for, and our fire damage claims lawyer can help ensure you have covered all your bases.

Those losses can include:

Hidden damage from water sprinklers, smoke, and ash can cause mold, diminished air quality, and damaged ducts.
Inadequate or improper cleaning and repair methods.
Disputes over a replacement part matching and line of sight repairs that should return your property to a “uniform and consistent appearance” — even if that means replacing undamaged items like carpeting or roof tiles.

At MoMo Law, our fire claims attorneys will thoroughly assess your property damage using an unbiased, third-party public adjuster who is experienced and skilled in outlining all your home or commercial property’s issues.

This is important because the insurance company’s claims adjuster works directly for the insurance company, which means they are protecting their employer’s best interests by undervaluing – or even outright denying – your claim.

Our public adjusters only have your best interests at the forefront of our investigation, so you know each of your damages is precisely outlined.

Next, our experienced fire damage claims lawyers will aggressively negotiate with the insurance company to ensure your legal rights are protected, and your options respected throughout the claims process.

You do not have to face the insurance company alone. Contact our dedicated fire damage insurance claims attorneys today for help.

What Happens if My Fire Damage Claim Has Already Been Denied?

Insurance companies often deny claims for multiple reasons, which can include when the home or property owner files an incomplete claim. While that can be fixed rather easily, and then resubmitted, other reasons can keep you from getting the coverage you need quickly.

Common reasons insurance companies deny fire damage claims may include:

Lack of coverage or exclusion clauses
Missed filing deadline
Non-disclosure of facts
Insufficient documentation
False statements or questionable claims

If your fire damage claim has been denied, you have the right to appeal the decision. Our skilled insurance claims attorneys will review your coverage, the claim, and the insurance company’s reasons for denying it, so you get a second chance at getting the financial recovery you are entitled to.

Contact our dedicated fire damage insurance claims lawyers to get the help you need today, so you can start rebuilding your home or business without any further delays.

How Can MoMo Law P.A. Help Me Recover The Full Value Of My Fire Damage Insurance Claim?

Being involved in a dispute with your insurance company can be time-consuming, emotionally taxing, and feel like a no-win situation.

The reason you have fire damage insurance outlined in your policy is so you will be completely protected from those damages when they occur. You do not pay thousands of dollars in home or commercial insurance coverage to be bullied by the insurance company when their only goal should be to help protect you.

Stop trying to fight the insurance company on your own. You deserve more, and our experienced fire damage claims lawyer will pursue your insurance company for the best financial outcome available for your case.

Our fire damage claims law firm’s negotiation and litigation skills are second to none in property damage claims recovery, and if we do not win your case either through a settlement or jury verdict, you pay us nothing.

Contact MoMo Law Today for a Free Consultation

Contact our accomplished fire damage claims attorneys at MoMo Law, P.C. today by calling (512) 640-5138 to schedule a free consultation.

Our Fire Damage Claim lawyers will provide a full assessment of what your claim is worth quickly and effectively, so we can begin holding the insurance company responsible for the repayment you deserve.

MoMo Law is a Fire Damage Claim law firm that offers free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our fire damage insurance claim lawyer can help you confront the insurance company for the financial recovery you deserve.

Frequently Asked Questions for Our Fire Damage Claims Attorneys

How Do I Know if My Fire Damage is Covered?

To understand what is covered in your insurance policy, review the specific terms outlined therein. If you do not have a copy of the policy available, contact the insurance company and get one sent to you. The insurance policies declarations page will give you some basic information regarding your coverage.

What Should I Do After My Home or Business Has Suffered Fire Damage?

If your home or business suffered fire damage, be proactive.

Gather all documents and records related to the property damage.
Take extensive photographs of your damage and the surrounding areas.
Take pictures before and after the debris is removed, as well as of the cleanup process itself.
Provide the insurance company with an inventory of the property that was lost in the fire.
Allow the insurance company to investigate the fire before cleaning up any damage.

Talk to our skilled fire damage insurance claims attorneys to ensure your rights are protected throughout the claims process.

Will the Insurance Company Cover My Damages If My Home or Business Fire Was Caused by Arson?

All business and house fire insurance claims will be thoroughly investigated by the insurance company before any valuation or payment is made. That includes claims that are caused intentionally or accidentally by a third party.

The insurance company may partner with fire investigators, law enforcement, and other specialists to determine how the fire started, so they can rule out any suspicious activity that may have led to the fire, including arson. They must do their due diligence to ensure the insurance claim is not fraudulent, so they can pay for the damages.

Will the Insurance Company Cover Smoke Damage Claims?

Not all house or business fires evolve into roaring flames. Some can be caused by smoldering, which can lead to heavy smoke damage. Smoke damage claims require an experienced assessment, so all the details are included in your claim. Smoke damage can cause significant damage and require home and business owners to throw away possessions, inventory, or machinery. It can also require multiple cleanings to ensure the premises are safe for use going forward.

Our dedicated fire damage insurance claims attorneys can help outline each loss, so you can pursue your coverage for the maximum amount.

Can My Insurance Provider Dispute a Legitimate Fire Damage Claim?

Yes. And the reality is, they probably will. Insurance companies are in the business of making money, not giving it back to its policyholders. That means they will make you prove your home or business fire was not intentionally set by you before potentially undervaluing or denying your claim outright. You do not have to face the insurance company alone. We can help you negotiate your fire damage claim, so you can pursue the best outcome without being intimidated by the insurance company. We will take the lead.

How Long Will My Fire Insurance Claim Take To Settle?

Most fire claims, if handled correctly, should settle within 90-120 days, but all states and territories have different guidelines as to when the claim MUST be settled. Working with a fire claims insurance attorney will help expedite the process, so you can take back control of your home or business without further delay.

Should I Hire a Public Adjuster If the Insurance Company Discourages It?

The insurance company wants you to take their word for what your fire damage is worth, so they will not publicly announce that you need a second opinion. You are, however, entitled to one. Our skilled public adjusters will provide an unbiased appraisal of the damages, so we can begin negotiating with the insurance company from a place of influence.

How Much Does it Cost to Hire a Public Adjuster?

Most public adjusters charge a small percentage of the negotiated settlement. That means if we do not win your case with the insurance company, we do not collect our legal fees.

Protecting Your Rights For More
Than Four Combined Decades

Flood Damage

Our trusted flood damage insurance claims attorneys understand the extreme harm an abundance of water can do to your house, condominium, garage, and possessions. Whether the flood damage was caused by a storm or a broken pipe, if your insurance company offers you less than your repairs and replacement requirements cost, our Flood Damage Insurance Claims law firm can help you fight for the true amount your insurance policy covers.

Rising sea levels and torrential rains can lead to dangerous flooding without notice and when damage occurs to your home or property as a result, it is up to your insurance company to provide the maximum financial return you deserve. Instead, most people endure painful delays in recovery payment times, while some are met with outright rejections. If you have suffered from the insurance companies’ delay tactics, partial payment offers, or rejection letters, contact our flood damage insurance claims attorneys today at (512) 640-5138 to learn how we can pursue your coverage provider for the maximum financial outcome your policy allows.

What Are The Common Causes Of Flood Damage?

Flood damage is not only devastating, as most property in the water’s path is often damaged beyond repair, but it is also an expensive recovery process.

Flood damage can be caused by:

Broken pipes
Coastal flooding
Leaking roofs
Heavy rains, storms, or hurricanes
The neighbor or other property owner’s negligence
Overflowing rivers
Obstructed waterways
Overwhelmed drainage systems

Getting your home and possessions back to their previous order is going to take a lot of work. If the insurance company is unwilling to provide the resources you need to make your property whole again, we can help force their hand. Getting the help and financial recovery you need should not be a bigger headache than the flood itself. And with our firm’s help, you can focus on getting what you deserve.

What Type Of Property Damage Does Flooding Cause?

At MoMo Law, our experienced insurance claims Attorneys know that it is hard to put a price tag on your home, property, or prized possessions once they have been submerged and ruined in water. Depending on the source of the flooding, the complete fallout of the occurrence may not be fully recognizable right away. The hidden consequences of flooding that occurs behind the scenes can lead to significant damage throughout your home or business, and knowing the totality of your financial needs upfront can help you prepare for any scenario.

Common property damage caused by floods can include:

Flooring, including carpet, hardwood, and tile
Furniture
Possessions
Walls
Rugs
Electronics
Books, pictures, and personal belongings
Mold
Diminished air quality
Duct damage
Structural damage

No two flood damage claims are the same, and neither are the financial needs of our clients. If you have suffered from flood damage, and the insurance company is refusing to pay the complete amount you deserve, contact our law firm today at (512) 640-5138 for help.

Our flood damage lawyers work on a contingency basis. You are only responsible for our lawyer fees when we recover financially on your behalf. If we do not win your case, you do not pay.

What Type Of Flood Damage Insurance Claims Does MoMo Law P.A. Represent?

At MoMo Law, P.A., our experienced flood damage claims attorneys represent individuals, groups, and companies who need aggressive representation to maximize their insurance recovery.

We represent:

Homeowners
Condominium owners
Business property owners
Homeowner’s and condo associations

Do not allow the insurance company to overwhelm you with intimidating tactics. No matter what phase of insurance recovery you are in, whether you need help assessing and submitting your claim, or if you have already received a rejection letter, our insurance claims lawyers can help you fight for the financial recovery you deserve.

What If I Have Lost Everything To Flood Damage?

Our flood damage attorneys know that it is not unusual for homeowners to split their time between our offices. When flooding occurs when they are away, months can go by before the damage is found, and a full assessment of the claim can be investigated.

Unfortunately, it is times like these that allow the insurance company to balk at providing the full replacement costs our clients deserve. Allow our Flood Damage Insurance Claims lawyer to investigate your damage and provide a free consultation with one of our insurance experts who can get to the bottom of your claim quickly and effectively, so you can begin rebuilding.

No matter how minor or substantial your damage is, we can help you face the insurance company with confidence.

Contact MoMo Law, flood damage insurance claims attorneys at (512) 640-5138 today to schedule a free consultation and learn how we can help you recover the maximum amount that is covered by the insurance policy you paid for.

MoMo Law is a Flood Damage Claim law firm. Our attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Flood Damage claim attorney can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Hail Damage Claims

The impact of hail can range from minor cosmetic damage to significant structural harm to properties. This variance in hail impact necessitates a thorough understanding of the potential risks and appropriate preventative measures. As residents, this means not only safeguarding your properties but also ensuring you have adequate insurance coverage to mitigate the financial implications of hail damage. This is where our team of hail damage claims lawyers at MoMo Law step in, offering unparalleled expertise in handling hail damage insurance claims

Insurance Laws and Hail Damage Claims

Insurance laws are designed to protect both the insured and the insurance companies, ensuring a fair and equitable process for all parties involved. Key aspects of these laws that are crucial for hail damage claims include:

Policyholder Rights
Law provides specific rights to policyholders, including the right to receive a clear explanation of why a claim was denied if that is the case. Policyholders also have the right to dispute a hail damage claim denial through various means, including mediation, arbitration, or litigation.
Burden of Proof
In hail damage claims, the burden of proof often lies with the policyholder. This means it’s the responsibility of the insured to provide adequate evidence of the damage and its cause. Detailed documentation, such as photographs, repair estimates, and weather reports, can be crucial in substantiating a claim.
Filing Deadlines
law sets specific deadlines for filing hail damage claims. Policyholders must be aware of these time limits to avoid missing the opportunity to file a claim. Late filings can often lead to denied claims, leaving the policyholder without recourse for damage recovery.
Replacement Cost vs. Actual Cash Value
Replacement cost provides for the cost to repair or replace the damaged property without depreciation deduction, whereas actual cash value takes depreciation into account.

Given the complexity of these laws and the nuances involved in navigating hail damage claims, legal assistance becomes invaluable.

Is Hail a Covered Peril?

Hail damage is typically considered a covered peril under most homeowner’s insurance policies. This coverage is a crucial aspect of property protection in a state where hail can strike unexpectedly and cause substantial damage.

However, insurance policies are not uniform and can differ greatly in terms of what they cover and to what extent. Some policies may have specific limitations or exclusions when it comes to hail damage, affecting the extent of coverage available.

For homeowners, it’s vital to closely review your insurance policy’s terms and understand how it addresses hail damage specifically.

Is Your Hail Damage Covered in Your Insurance?

While most policies do cover hail damage, the specifics of what is included and excluded can vary significantly.

Roof Damage
This is often the most significant aspect of hail damage coverage. Insurance typically covers repairs or replacement of roofs damaged by hail. However, the extent of coverage can depend on the age of the roof and the type of policy.
Siding and Window Damage
Hail can also cause considerable damage to siding and windows. Many insurance policies cover the costs associated with repairing hail-damaged siding and windows.
Personal Property
If hail damages personal property inside the home (such as through a broken window), this may also be covered under most policies.

These aspects of your insurance policy are crucial in determining whether your hail damage is covered. Reviewing your policy in detail or consulting with knowledgeable hail damage insurance claims attorneys is advisable.

How to Prepare Your Hail Insurance Claim

Efficiently preparing a hail damage claim is key to ensuring a successful and fair settlement from your insurance company. Here are the vital steps to follow:

Document the Damage Thoroughly
1. Photographs and Videos: Take clear, detailed photos and videos of all hail damage. This should include wide shots to show the extent of the damage and close-ups for specific areas like roofs, windows, and siding.
2. Date and Time Stamp: Make sure all documentation is date and time-stamped to validate the occurrence of the damage in relation to the hailstorm.
Review Your Insurance Policy
1. Understand Coverage: Familiarize yourself with what your policy covers in terms of hail damage. Note any specific clauses, deductibles, and limits.
2. Check Deadlines: Be aware of the timeframe for filing a claim, as most policies have strict deadlines.
Gather Necessary Information
1. Collect Receipts: Keep receipts of any immediate repairs done to prevent further damage, such as covering broken windows.
2. Record Expenses: Document any additional living expenses if the damage has made your home temporarily uninhabitable.
Contact Your Insurance Company Promptly
1. Notify Insurer: Inform your insurance company about the damage as soon as possible. Provide them with the initial documentation.
2. Filing the Claim: Follow the insurer’s process for filing the claim, which may include filling out claim forms and providing detailed information about the damage.

By following these steps, you can prepare a comprehensive and effective hail damage claim, enhancing the likelihood of a favorable outcome with your insurance company.

Are Hail Insurance Lawyers Needed When Filing a Claim?

Hail damage can be a stressful and overwhelming experience for any property owner. Partnering with MoMo Law, a seasoned insurance claim law firm, can make all the difference. With our comprehensive understanding of hail damage claims for over 25 years, our hail damage claims lawyers stand ready to guide you through the process and ensure your rights and interests are protected. Contact us today for a free consultation, and let us help you navigate the complexities of your hail damage insurance claim.

Protecting Your Rights For More
Than Four Combined Decades

Homeowner Insurance Claims

At MoMo Law, our homeowner insurance claims attorneys know that the valuable protection your policy provides delivers peace of mind when it is not in use. We also know that the states and territories where we provide our legal services have some of the highest homeowner insurance premiums in the United States.

No matter where you live, insurance coverage is designed to make you whole after you file a property insurance claim. Whether you pay your premium monthly, semi-annually, or annually, the price of coverage is more than a nominal expense, so you fully expect the outcome to work in your favor.

Paying your homeowner Insurance Claims provides the confidence you need to pursue a claim when damage occurs to your home or property after a hurricane, flooding, fire, or another unforeseen event.

The reality is when it is actually time to file a claim, homeowners are faced with intense obstacles and unreasonable requests from the insurance company before repayment is even considered. You deserve more, and our Homeowners Insurance Lawyers can help you pursue the financial recovery you deserve from your insurance provider.

Contact our home insurance claim attorney today to learn how we can help pursue the best outcome for your claim.

What Are The Most Common Homeowner Insurance Claims?

Damage from hurricanes, severe storms, or lightning can impact our community throughout the year, leading to extensive and uncontrollable homeowner claims.

Our homeowner insurance claims Lawyers know that you pay your insurance premium on time to ensure you get the coverage you deserve when your home sustains:

Damage due to vehicles
Electrical current damage
Fire or smoke damage
Flooding
Foundation or structural damage
Hurricane damage
Liability claims for dog bites or personal injuries that occur on your property
Lightning damage
Mold damage
Non-weather-related water damage including water heater, plumbing, or HVAC overflow
Property damage from falling or flying objects
Roof, window, or exterior damage
Sinkhole damage
Theft
Vandalism or intentional damage
Wind and hail damage

Homeowner’s insurance is designed to protect you, your family, and your property from the unknown dangers that can leave your home partially damaged — or completely lost. When your homeowner’s insurance company is delaying payment, issuing a partial or unfair payment, or rejecting your claim altogether, you are going to need help pursuing the financial recovery you deserve. The homeowner claims lawyers at MoMo Law will aggressively represent you during financial negotiations or in a courtroom to pursue the outcome you deserve.

If we do not win your case, you do not pay for our services.

How Frequently Are Homeowner Claims Submitted Each Year?

Each year, each state and each policyholder’s overall insurance claims will differ. Hurricanes and other natural disasters like sinkholes and hailstorms that surprise our community throughout the year can lead to costly damage. This is exactly why insurance exists, so we are prepared for the worst and protected from the fallout.

According to the Insurance Information Institute, throughout the U.S. approximately:

One in 15 insured homes file a claim each year
One in 40 insured homes has a wind or hail damage claim each year
One in 50 insured homes has water damage claims each year
One in 250 insured homes have theft damage claims each year
One in 325 insured homes have a fire and lightning damage claim
One in 750 homeowners’ policies has a liability claim related to the cost of lawsuits for bodily injury or property damage that the policyholder or family members cause to others

Our insurance claims attorneys know that you have coverage to protect your best interests if or when something goes wrong.

The bigger question is, will your insurance company be there to provide the financial support you need as it is outlined in your policy?

How Much Homeowners’ Insurance Coverage Do I Need?

The amount of home insurance coverage you need depends on multiple factors, including the cost of your home, your possessions, where you live, and the risks your property faces. Most of the states and territories our homeowners insurance attorneys cover are often subjected to hurricanes and wildfires, so it is important that property owners amend their coverage to fit those types of natural disasters, so they are covered if the very worst happens.

If you need help understanding exactly what type of coverage you need, talk to our skilled homeowners insurance claims attorneys today to learn more about being proactive, instead of reactive.

Can I Change My Property Damage Insurance Policy At Any Time to Ensure All My Assets Are Covered?

Yes! You should assess your policy and coverage options annually, so you can ensure all your assets are covered through a risk assessment exercise that allows you to understand what happens if the unthinkable actually happens.

That can include someone getting hurt at your home or understanding what happens if a vehicle crashes into your garage. When it comes to insurance coverage, you can never ask too many questions, or reevaluate your coverage needs too often.

Our property damage lawyers know that the worst time to learn your home is not covered by your policy is after the damage occurs.

Contact our property insurance lawyers can help you understand what your policy means, what is covered, what is not, and how to make up for the coverage you need.

Why Would My Insurance Company Refuse To Pay My Homeowner Claim?

Insurance companies collect tens of billions of dollars each year on homeowner policies alone. The cost of your coverage and your prompt payments lead to the assumption that when you need them, your insurance provider is going to step up and pay your claim.

While that would be a reasonable expectation, it is often a misconception. Insurance companies profit from your premiums and increase their revenue by rejecting claims outright, or partially paying for the damage your home endured because they can.

Insurance company representatives have the power of a large corporation, bureaucracy, and in-house attorneys behind them 24/7 which are no match for the average consumer.

The small print of your policy and the paperwork necessary to appease the insurance company’s claim processes is overwhelming and exhausting, which is exactly how they want it. You will tire of fighting before they do. And they are counting on that being the case.

If you believe your insurance carrier is delaying, undervaluing, or denying your claim, contact our homeowner insurance disputes lawyers today for help. You do not have to take the insurance company’s word for what your home’s damages are worth. We can help set the record straight.

Why Do I Need a Public Adjuster to Evaluate My Home’s Damages?

When our clients file property insurance claims, they are typically met by the insurance company’s claims adjuster who will review the damage and estimate the costs to fix the issues.

The adjuster is an employee of the insurance company, so it is in his or her best interest to undervalue your claim, so the employer does not lose money. While that may not be fair, it is true.

You deserve to have an unbiased third party assess your damages where your best interests are put first. At MoMo Law, P.A., our property damage claims attorneys are policyholder advocates who will fight for the best outcome for each of our clients.

What If My Homeowner’s Insurance Claim Has Already Been Denied?

If your homeowner’s insurance claim has been denied by your insurance provider, that does not have to be the final word on the matter. Partnering with a skilled insurance claims attorney will allow us to investigate your damages, review your claim, and understand the facts behind its denial, so we can reopen your claim.

Once we have the opportunity to align the facts of your case with the supporting evidence and documentation necessary to pursue your policy, we will fight for your rights, so you can pursue the best outcome for your claim.

When you have homeowner’s insurance, it should protect you. We can help ensure that it does. Contact us today to learn more about your legal rights and options to take back control of your claim, and get the outcome you deserve.

Whether you are assessing your home’s damage to pursue a claim or have already received a rejection letter from the insurance company, our experienced insurance claims Lawyers will help you pursue the financial recovery that is rightfully yours simply by scheduling a free consultation now.

Contact Our Homeowners Insurance Claims Attorneys Now

Contact our accomplished homeowner insurance claims attorneys at MoMo Law today by calling (512) 640-5138 to learn how we can help you hold your insurance company accountable for the financial protection that is outlined in your contractual agreement.

MoMo Law is a Homeowner Insurance Claim law firm that offers free consultations in a safe, trusting, comfortable environment. Call our law firm now to learn how our Homeowner Insurance claim attorneys can help you confront the insurance company for the financial recovery you deserve.

Frequently Asked Questions for Our Homeowners’ Insurance Claims Attorneys

Do I Need to Keep an Inventory of the Possessions in My Home?Yes! Creating a home inventory list is one of the smartest things you can do to ensure your property and its value are accounted for in case it is damaged or stolen. A home inventory will also help you and your agent determine how much coverage you actually need, so you are protected from all angles.

Does My Mortgage Lender Get to Decide Which Homeowner’s Insurance Provider I Use?The policyholder – you – decides which insurer and coverage is right for you. If your coverage meets the minimum requirements set by your mortgage company, you can make the decisions.

Am I Required to Have Homeowner’s Insurance?By law, you are not required to have home insurance, but banks do require it as a condition of your mortgage. However, homeowner’s insurance can help you protect yourself from enormous financial loss in case disaster strikes, so it is important to have coverage that surpasses your overall property’s value.

Does My Homeowner’s Insurance Policy Cover Personal Injuries That Occur on My Property?Personal liability coverage can help protect you if you are found responsible for bodily injury to someone or damage to their property. Accidents happen, and if they occur on your property, you can be held liable for the associated costs, like medical expenses or lawsuits. Personal liability coverage can pay for those expenses, so you are not left paying for them out of pocket.

Will My Homeowner’s Insurance Coverage Pay My Expenses If I Cannot Live in My Home During Its Repairs?Yes. If your home is unfit for habitation due to a covered loss, your insurance coverage should help pay for additional living expenses — such as food and a hotel — while repairs are being made.

What Can I Do To Lower My Homeowners’ Insurance Premium?Depending on who your insurance coverage is with, they may have multiple options for you to lower your premium. Some insurance companies provide discounts for policyholders who install qualifying smart home devices or by combining their home and auto coverage.

Will Filing a Homeowners’ Insurance or Property Claim Affect My Premium?There are several factors unique to your area, coverage requirements, and claims history that go into whether your premiums will increase. Talk to an insurance provider to learn more about what factors will impact the cost of your policy.

How Long Will It Take For My Insurance Claim To Be Settled?The honest answer is, that it depends on how long it takes to repair/rebuild/replace their home and possessions after a large loss. The more complete your insurance claim is when you submit it, the smoother the process will be. That is why it is important to discuss your claim with an insurance claims attorney before you get started, so the insurance company has little reason to delay, undervalue, or deny your claim.

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Than Four Combined Decades

Hurricane Damage Claims

The National Oceanic And Atmospheric Administration lists insured coastal properties that are vulnerable to hurricanes at $2.86 trillion. At MoMo Law, our hurricane damage claims attorneys know how important hurricane insurance is to our community because we not only represent those affected by these powerful storms — we are part of the community that is affected by these powerful storms.

Our insurance claims lawyers know that living in the path of hurricanes is part of the price we pay for the beauty we enjoy. After witnessing the destruction of Hurricane Michael take aim at our panhandle’s residents in 2018, and the powerful hurricanes before him, our commitment to serving those who are being victimized by insurance companies through unfair partial payments and outright recovery rejections has only deepened.

If you have suffered property damage from any hurricane, and your insurance company is denying the financial recovery you deserve, our Hurricane Damage Claims Lawyers can help you pursue your coverage provider for the proper reimbursement you deserve for your losses.

What Are The Most Common Types Of Damage Caused By Hurricanes?

At MoMo Law, our hurricane damage insurance claims lawyers know that hurricane season in our state is accompanied by property owner anxiety that is caused by the unknown. We can track the storm with near precision, but there is no way to know the exact damage that is going to occur once it arrives.

The unpredictable nature of these large and dangerous storms sends most residents from their homes, seeking safety. And when they are able to return, the extent of the damage that is left behind can be devastating.

Common types of hurricane damage can include, but are not limited to:

Broken windows
Compromised or destroyed doors on homes, garages, and other structures
Damage from projectiles
Destruction of personal items and interior home goods including furniture or appliances
Fire damage from downed wires
Flooding
Harm to boats, cars, and other vehicles
Moisture damage
Property damage to costly outdoor fixtures including pools, sheds, and landscaping
Roof lifting, destruction of shingles, gutters, and siding
Structural damage to the home’s walls, porches, and outer buildings

There is no limit to the amount of damage a hurricane can cause to your home or property, and when your insurance company is unwilling to provide you with the full financial recovery you deserve as a result of the damage or complete loss you have suffered, our hurricane damage claims attorneys can help you pursue the policy’s details for maximum payout.

What Are The Major Causes Of Hurricane Damage?

Most states are perfectly situated to endure some form of hurricane damage each year. While the severity of these storms may vary, the purpose of having hurricane insurance is to protect you in times of need. When damage occurs to your home or property, you expect your insurance company to make you whole again. Unfortunately, they may have other plans.

When your home and property are impacted by the hurricane’s conditions, including high winds, storm surges, and torrential rains, the damage can penetrate every part of your home, business, or other structure requiring the complete replacement of the components therein, including the walls, floors, ceilings, and everything in between.

Insurance companies often delay payments, submit partial payments, or reply with outright rejections to the claims you fully expected them to pay after hurricane damage has changed your life. And the emotional toll that takes on you and your family can cause severe stress, anxiety, and grief.

You do not have to face the insurance claim process alone. Whether you are surveying your hurricane damage to submit a claim to your insurance company, or if you have already been met with resistance, our hurricane insurance claims attorneys can help you pursue the total financial recovery you deserve.

What Are Common Tactics Insurance Providers Use To Avoid Paying Policyholders?

Hurricanes cause billions of dollars in damage, and once the storm has passed, insurance companies revert to their all-too-common tactics that leave home, business, and property owners in a compromised position.

Those tactics can include:

Citing preexisting damage, prior to the hurricane, to avoid payment
Delaying claims dangerously close to the filing deadline
Denying payment for repairs they deem unnecessary
Insisting policyholders provide unnecessary paperwork and documentation for recovery
Stating the damage sustained was not included in the policy
Underpaying the value of claims

Whether your claim was delayed, underpaid, or denied, our hurricane damage insurance claim lawyers can help you pursue an optimal outcome by preparing, negotiating, and litigating a wide range of hurricane claim damages that allow you to hold the insurance company responsible for the policy they wrote, and you agreed upon by paying your premium.

Call Our Hurricane Damage Lawyers Now

At MoMo Law, our hurricane damage claims attorneys work on a contingency basis, which means you do not pay for our legal services unless we win your case. Contact our accomplished hurricane damage law firm at (512) 640-5138 to learn how we can help you face the insurance company with confidence today.

MoMo Law is a Hurricane Damage Claim law firm. Our Hurricane Damage attorneys offer a free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how a Hurricane Damage claim attorney can help you confront the insurance company for the financial recovery you deserve.

Pre-Hurricane Season Checklist

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Than Four Combined Decades

Leak Damage Claims

Water can cause significant damage to your property. If you’ve suffered property damage due to a water leak, you may be entitled to compensation through the leak damage claims process. However, the process of filing a claim and negotiating with insurance companies can be complex and overwhelming. That’s why you need the help of a leak damage claim attorney.

This page will provide you with all the information you need to know about filing a leak damage claim, including why you need an attorney to represent you.

Leak Damage Claims Law

Under the law, property owners have a duty to maintain their properties and take reasonable steps to prevent leaks. If a leak occurs due to negligence or breach of duty, the property owner may be liable for damages. Additionally, insurance policies typically cover water damage caused by sudden and accidental leaks.

It’s important to note that the statute of limitations for filing a leak damage claim is four years. That means you have four years from the date of the leak to file a claim, or you may lose your right to recover damages.

How to File Leak Damage Claim

Filing a leak damage claim can be a complicated and time-consuming process. Here are the steps involved:

Document the Damage: Take photos and videos of the damage caused by the leak, and keep track of any repair costs and other expenses.
Notify the Property Owner: If the leak was caused by another party’s negligence, you’ll need to notify the property owner or manager in writing.
Contact Your Insurance Company: Report the leak to your insurance company and provide them with the documentation you’ve collected.
File a Claim: Once you’ve gathered all the necessary information, you can file a leak damage claim with your insurance company or the responsible party’s insurance company.
Negotiate: Negotiate with the insurance company to reach a settlement that covers all of your damages and expenses.

Why You Need a Leak Damage Claim Attorney

Filing leak damage claims can be a complex and time-consuming process, and insurance companies often try to pay out as little as possible. That’s why it’s essential to have a leak damage claim attorney on your side. Here are some of the reasons why:

Expertise: A leak damage claim attorney has extensive knowledge of leak damage laws and can use this expertise to your advantage.
Legal Strategy: A leak damage claim attorney can develop a legal strategy that is tailored to your specific situation and goals.
Negotiation: A leak damage claim attorney can negotiate with the insurance company to ensure that you receive fair compensation for your damages.
Litigation: If necessary, a leak damage claim attorney can represent you in court and fight for your rights and interests.

Leak Damage Claim Law Firm

At our leak damage claim law firm, we’re dedicated to helping property owners recover the damages they deserve. Our team of experienced attorneys will work tirelessly to ensure that you receive fair compensation for your losses.

Our services include:

Property Damage Assessment: We can assess the extent of your property damage and determine the cost of repairs and other expenses.
Insurance Claim Filing: We can file a leak damage claim with your insurance company or the responsible party’s insurance company.
Negotiation: We can negotiate with the insurance company to reach a settlement that covers all of your damages and expenses.

FAQs

What is a leak damage claim?

A leak damage claim is a legal claim made by a property owner who has suffered property damage due to a water leak. The claim seeks compensation for the damages and expenses incurred as a result of the leak.

Who can file a leak damage claim?

Any property owner who has suffered property damage due to a water leak can file a leak damage claim.

What kind of damages can I recover through a leak damage claim?

You may be able to recover damages for property damage, repair costs, lost income, and other expenses related to the leak.

How long do I have to file a leak damage claim?

The statute of limitations for filing a leak damage claim is four years from the date of the leak.

Can I file a leak damage claim if I have insurance?

Yes, you can file a leak damage claim even if you have insurance. Your insurance company may cover some or all of the damages, but you may still be entitled to additional compensation through a claim.

Do I need a leak damage claim lawyer to file a claim?

While it’s possible to file a claim on your own, a leak damage claim lawyer can provide you with invaluable legal expertise and negotiation skills that can increase your chances of receiving fair compensation.

How much does a leak damage claim lawyer cost?

The cost of a leak damage claim lawyer can vary depending on the law firm and the complexity of the case. Some lawyers work on a contingency fee basis, which means they only get paid if you win your case.

What should I do if I suspect a water leak?

If you suspect a water leak, you should take immediate action to prevent further damage and document any damage that has already occurred. Notify the property owner or manager if the leak is not on your property.

How long does it take to resolve a leak damage claim?

The time it takes to resolve a leak damage claim can vary depending on the complexity of the case and the willingness of the insurance company to negotiate. In some cases, a claim can be resolved within a few months, while in others, it may take years.

Protecting Your Rights For More
Than Four Combined Decades

Mold Damage Claims

Hurricanes, storms, busted pipes, and rising sea waters can cause damp, wet, and even flooded conditions in the homes of our residents, which can lead to severe mold damage that not only jeopardizes our property but our health.

At MoMo Law, our mold damage claims lawyers know that mold removal can be expensive, and that not all insurance companies cover infestations, which means our community is left to fight the expensive battle on their own. We can help. If your mold damage claim has been delayed, denied, or met with a partial payment, our law firm can help you face the insurance company for the financial recovery you deserve from your policy.

What Causes Mold Damage?

According to the Federal Emergency Management Agency, mold and mildew will begin developing within 24-48 hours of water exposure. Once it begins, mold will continue to grow until the proper steps are taken to eliminate the source of the moisture.

When water intrusion occurs in your home, condo, or business the insurance company is responsible for the losses sustained by the moisture, which includes the cleaning process, and the replacement costs associated with the damage.

Common water damage sources that can lead to mold can include:

Broken or ruptured pipes
Flooding from storms and hurricanes
Roof and window leaks
Sewage backups in flooded areas

The problem is, most residential and business insurance policies exclude coverage for mold damage, placing residents and business owners in a frustrating position. If the flooding was caused by a storm, and mold resulted from the flooding, your insurance company should be held responsible for the water damage coverage your policy contains.

At MoMo Law, our mold damage insurance claims attorneys can help you hold your coverage carrier responsible for the policy you have paid for.

Does Mold Damage Lead To Health Hazards?

The Environmental Protection Agency warns that the failure to remove mold infestation, and the contaminated materials associated with its growth after flooding, can lead to severe health problems, some of which may become long-term.

Common health complications associated with mold can include, but are not limited to:

Aches and pains
Eye irritation that causes burning, watering, and redness
Lethargy
Nasal and sinus congestion or dry, hacking cough
Nervous system problems, including headaches, memory loss, and mood changes
Nose or throat irritation
Respiratory problems, including wheezing and asthma attacks
Skin irritations, including rashes or hives

The Centers for Disease Control warns that if homes are flooded or contain wet carpets, flooring, or furniture for more than the 24-48 hour period outlined by the EPA, the homeowners should assume the presence of mold exists and take immediate action to remove the contamination before re-occupying the home.

Can Mold Cause Serious Property Damage?

Since mold grows rapidly, it can infest personal belongings, including furniture, beds, blankets, towels, and even clothing, quickly ruining the articles and requiring complete replacement. That is even true when the mold is found and removed quickly, to ensure there is no further contamination.

At MoMo Law, our mold damage claims attorneys have also represented individuals, families, and business owners who have seasonal residences and companies throughout the state. When flooding occurs inside one of their properties, it can take months to identify a mold problem, and by the time they do, their property can be completely contaminated.

Whether the problem is identified immediately or after a delay, mold removal and damage replacement are extremely costly, leaving our residents in a difficult financial position.

If you have paid your insurance premiums, and your coverage includes flood or water damage coverage, it is important to understand that you can pursue the insurance company for the source of your mold problem.

What If My Insurance Policy Does Not Cover Mold?

Our experienced mold damage claims lawyers understand that most insurance policies do not cover mold damage. In fact, some directly exclude it, making the financial recovery process even more difficult for our residents.

The fact is, your mold damage was almost certainly caused by water damage from rainwater during a storm, a busted pipe, or a sewage breach that was caused by flooding. Mold cannot exist or grow without wet conditions, making the source of the mold the cause of your insurance claim.

The insurance company will certainly fight this logic and remain steadfast in its stance that mold is not covered in your policy. Before you accept their unreasonable approach to denying your mold damage claim, contact our experienced lawyers at MoMo Law today at (512) 640-5138 to schedule a free consultation. We will review your claim and insurance policy to create solutions for your full financial recovery.

If you have suffered mold damage to your home or business and the insurance company is delaying, denying, or underpaying your claim, call us today for a Free Consultation (512) 640-5138. We have a “No Recovery, No Fee” policy meaning that unless we recover on your behalf, there is no cost to you.

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Than Four Combined Decades

Mudslide Damage Claims

Mudslides often confused with landslides and mudflows, bring unique challenges for homeowners, particularly when it comes to mudslide damage claims.

Mudslides are a specific type of natural disaster, characterized by a rapid downward movement of a large mass of mud. Unlike landslides, which involve a broader range of materials including rocks and earth, mudslides are primarily composed of mud. Mudflows, on the other hand, are more fluid and faster-moving.

MoMo Law, a seasoned insurance claim law firm, can navigate the complexities of mudslide damage claims, ensuring that policyholders receive the compensation they are entitled to.

Common Causes of Mudslides

While not as frequent as in other regions, mudslides still present a significant risk due to a confluence of environmental factors. Understanding these triggers is crucial, especially for homeowners when dealing with mudslide insurance claims.

Heavy Rainfall
During the hurricane season, excessive precipitation saturates the soil, reducing its stability and increasing the likelihood of mudslides. The sudden influx of water can loosen the earth, causing it to slide down slopes with destructive force. Such rainfall-induced mudslides are often rapid and unpredictable, posing a serious threat to properties located on or near slopes.
Occasional Seismic Activity
Although not as prevalent as in other regions, seismic activities, including minor earthquakes, can occur. These tremors can destabilize already vulnerable soil, particularly in areas with steep slopes, acting as a catalyst for mudslides.
Deforestation
The removal of trees and vegetation for urban expansion or agriculture in and around affects the soil’s integrity. Roots of trees and plants play a critical role in holding the soil together and absorbing excess water. When these natural stabilizers are removed, the soil becomes more prone to being carried away by water, leading to mudslides.

Given these varied causes, it’s evident that mudslides, though not a daily occurrence, present a real risk under certain conditions. Standard policies often exclude mudslide damage, making it imperative for residents to understand their insurance needs and seek specialized coverage.

Mudslide Coverage in Insurance Policies

The issue of coverage for mudslide damage in homeowners insurance policies is a critical concern for residents. Typically, standard policies offer a range of protections for homeowners, but they often have specific exclusions, particularly for damage caused by natural disasters like mudslides.

Exclusions in Standard Policies
Most standard homeowners insurance policies categorically exclude damage caused by earth movements, which includes mudslides, landslides, and earthquakes. This exclusion is primarily due to the high risk and potentially significant costs associated with these natural disasters. Insurers often view the unpredictable nature and substantial damage potential of mudslides as too great a risk to cover under standard policies.
Additional Coverage Options
For comprehensive protection against mudslide damage, homeowners may need to consider purchasing additional insurance policies. One such option is the Difference in Conditions (DIC) insurance, which typically covers perils not included in standard homeowners policies, such as floods, earthquakes, and mudslides. Another option might be specific flood insurance, as some policies under this category may cover mudflow, which is closely related to mudslides.

In cases where there is ambiguity or dispute regarding coverage, legal assistance becomes crucial. mudslide insurance claims lawyers can provide the necessary legal guidance to navigate the insurance claims process, advocate for the policyholder’s rights, and ensure that the insurance companies honor the terms of their policies.

What to Include in Your Mudslide Insurance Claim

When filing an insurance claim for mudslide damage, comprehensive and detailed documentation is paramount. This thorough documentation not only supports your mudslide damage claim but also maximizes the chances of a fair settlement.

Here are key aspects that should be included in the claim:

Structural Damages
Include a detailed description of all structural damages to the property. This should cover the exterior and interior of the property, including walls, roofs, foundations, and any other structural elements affected.
Photographic Evidence
Take clear, date-stamped photos or videos showing the extent of the damage. Multiple angles and close-ups can help in providing a complete view of the damages.
Professional Assessments
If possible, obtain assessments from professionals like structural engineers or contractors. Their reports can provide an expert perspective on the damage and the estimated cost of repairs.
Loss of Personal Belongings
Create a comprehensive list of personal items that were damaged or lost due to the mudslide. This list should include electronics, furniture, clothing, and any other personal possessions.
Gather receipts, bank statements, or any other documents that can prove ownership and the value of the lost items. For items that are damaged but not completely destroyed, include an assessment of their condition and the cost to repair or replace them.
Temporary Relocation Costs
If the mudslide forced you to temporarily relocate, include all associated expenses such as hotel bills, rental costs for temporary housing, and additional food expenses. Keep all receipts and records of expenses incurred due to the mudslide. This can include transportation costs, meals, and any other daily expenses that are above your normal living costs.

This level of detail aids in clearly illustrating the extent of the damage and losses to the insurance company, thereby facilitating a smoother and more equitable claims process. Consulting with mudslide damage claims attorneys can be invaluable

Choosing the Right Attorney for Your Mudslide Damage Claim

Dealing with the aftermath of a mudslide can be overwhelming. Securing adequate compensation for damages is a challenging process, necessitating mudslide damage insurance claims attorneys.

MoMo Law, with over 25 years of experience and a team of dedicated mudslide insurance claims lawyers, offers unparalleled guidance and advocacy throughout the claims process. Our deep understanding of insurance laws and commitment to our clients make us an ideal choice for those facing mudslide damage claims.

Our extensive experience as mudslide insurance claims attorneys ensures that your rights are protected and your claims are handled effectively. Contact MoMo Law today for a free consultation and take the first step towards securing your rightful compensation.

Protecting Your Rights For More
Than Four Combined Decades

Roof Damage Claims

Roof damage is a reality for many homeowners. With relentless storms and unforeseen accidents, understanding roof damage claims is essential.

Roof damage can happen unexpectedly, and knowing how to approach a claim is paramount. Whether through natural disasters or gradual deterioration, MoMo Law provides assistance to navigate the complexities of roof damage claims.

Homeowner Insurance and Roof Damage

The process of obtaining the right insurance coverage for roof damage can be complex.

Typically, homeowners’ policies will cover roof damage caused by unpreventable reasons such as vandalism or natural disasters like hurricanes and tornadoes. However, the coverage may be limited if the damage results from a lack of maintenance or wear and tear. It’s essential to review the policy with a roof damage claim lawyer to understand its specific terms.

Comprehensive policies often provide broader protection, including accidental damage. These policies may cover roof damage caused by falling objects. Again, understanding the limitations and exclusions with the help of a roof damage claim attorney is key to utilizing this policy effectively.

Some homeowners opt for specialized roof insurance, which specifically covers various roof-related damages. This type of policy may provide coverage for repair or replacement of the roof regardless of age or condition. It often proves beneficial in dynamic weather conditions.

Different Types of Roof Damage

Roof damage is diverse, and understanding the different types can significantly aid in the claim process.

Leaks
Leaks in the roof may occur from cracked flashing or broken shingles, leading to water penetration. In heavy rain seasons, leaks can quickly escalate, causing substantial interior damage.
Missing Shingles
High winds, common, can lead to missing shingles. These not only affect the roof’s appearance but also its structural integrity. Missing shingles can lead to further damage if not addressed promptly.
Structural Failures
Structural failures are serious roof damages that can result from various factors such as poor design, improper material, or significant weather events like hurricanes These failures may require extensive repairs or even total replacement.
Gradual Deterioration
Roofs can deteriorate over time due to exposure to the elements, poor maintenance, or simply age. In tropical climate, roofs can be particularly susceptible to gradual deterioration, which can lead to more serious problems if left unchecked.

By consulting our roof damage claim lawyer, you can ensure you understand your policy and the type of damage to your property’s roof. Knowledge of these critical areas empowers you to approach your roof damage claim with confidence.

Claims Process for Roof Damage

The process of filing a roof damage claim can be intricate. It requires proper documentation, timely submissions, and diligent follow-up. Knowing what to expect can make the process more manageable.

Documenting the Damage
Take photographs, and videos, and maintain records of the damage and any repairs. Keeping meticulous records aids in the claims process.
Assessing the Damage
This involves a thorough examination of the damage, possibly with a professional inspection, to ascertain the extent and nature of the damage.
Contacting the Insurance Company
As soon as the damage is assessed, contact the insurance provider to report the claim. Be prepared to provide detailed information and evidence of the damage.
Working With an Adjuster
Insurance companies typically send an adjuster to inspect the damage and estimate the cost of repairs. Cooperating with the adjuster while having an understanding of your policy is crucial.
Receiving a Settlement Offer
Once the adjuster’s report is submitted, the insurance company will propose a settlement. Review this with our roof damage claim lawyer to ensure it’s fair.
Negotiating or Appealing
If the offer is unsatisfactory, there may be room for negotiation or an appeals process.
Legal Action if Necessary
Sometimes, legal action may be the only option to secure a fair settlement. A roof damage claim attorney can guide you during this process.

A denied claim is not the end of the road. MoMo Law specializes in handling disputed roof damage claims, offering strategic guidance and aggressive representation when necessary.

How Roof Damage Claim Attorney Can Help

Our roof damage claim attorney can provide invaluable assistance in various ways:

Policy Review
They can analyze your insurance policy to understand precisely what is covered, ensuring you take the right steps.
Negotiation With Insurance Companies
Our attorneys can negotiate directly with your insurance provider, leveraging their legal ability to secure a fair settlement.
Legal Representation
If the claim process leads to legal disputes, having an attorney represent your interests can make the difference between a fair resolution and inadequate compensation.
Guidance Through Complex Processes
Roof damage claims can be complex, and our experienced attorney will guide you through the claims process, appeals, and any necessary legal actions.
Maximizing Compensation
By understanding the legal landscape and the specifics of roof damage claims, an attorney can help ensure that you receive the maximum compensation to which you’re entitled.

Roof damage claims can be a complex and frustrating process. But with the guidance of MoMo Law, you can approach your roof damage claim with confidence and clarity. By leveraging a roof damage claim law firm’s knowledge, experience, and dedication, you put yourself in the best position to achieve the justice you deserve. Contact us today for a free consultation and learn how our roof damage claim attorneys can make a difference in your case.

Protecting Your Rights For More
Than Four Combined Decades

Sinkhole Damage Claims

From September 2017, when Hurricane Irma made landfall, through April 2018, there were over 400 reports of sinkholes. Sinkholes are a natural result of the US’s geology; a phenomenon our residents have experienced directly and indirectly over time, causing varying degrees of damage to roads, structures, walkways, and even their own property.

Because sinkholes require explicit coverage and evidence of occurrence to be covered by the insurance company, it is not always easy to get the insurance settlement you deserve when your home, business, or other property has been damaged. Our insurance claims attorneys can help you pursue the maximum financial recovery available from your insurance company, even if they have already denied your claim.

Why Do Sinkholes Occur So Frequently?

The Department of Environmental Protection cites the extensive limestone bedrock found throughout the state as one of the most susceptible surfaces to erosion, because of its porous nature. When the sediment or limestone — under your home, car, business, or other property — is gradually washed away, the pockets of underground voids allow the land to collapse, causing extensive damage to anything above or around it.

When your property is damaged because of a sinkhole, the insurance company is going to challenge your claim. At MoMo Law, our sinkhole damage claims lawyers can help you file a claim that reflects the coverage outlined in your policy, giving the insurance company very little room to respond with resistance. And as the claim proceeds, we will negotiate the best financial outcome available for your unique needs.

What Are The Most Common Signs Of Sinkholes Occurring?

Since sinkholes begin well below the earth’s surface, the common signs of their damage typically begin with structural damage that loosens the surface resulting in a collapse that can cause irreparable damage.

Depending on the location, size, and relevance of the structures nearby, common signs of sinkholes can include:

Cracks in interior walls
Cracks in exterior walls
Cracks in driveways or pool decks
Cracks in the ground outside
Depressions in the ground
Doors or windows become difficult to open or close
Fresh cracks in the foundations of houses and buildings
Pooling of water in specific areas of the property
Rapid appearance of a hole in the ground
Slanting or sinking of the property
Trees or fence posts that tilt or fall

Sinkhole damage can leave homeowners in a difficult position of recovery. When possible, all property owners should act as soon as they become aware of potential sinkhole activity in order to protect their property and possessions quickly and effectively with the benefits outlined in their insurance policies

Is Sinkhole Damage Covered In My Insurance Policy?

New laws governing insurance coverage do not include sinkhole insurance — although it is available at an additional cost.

However, insurance policies must contain coverage for catastrophic ground cover collapse, but not necessarily damage from a sinkhole.

To meet the criteria for damage sustained from a catastrophic ground cover collapse, the following must be true:

The sinking must have occurred abruptly
The depression in the ground must be visible without the use of instruments
The home must have suffered structural damage, including damage to the foundation
A government agency must condemn and evacuate the structure

When your insurance policy contains sinkhole coverage, you may be protected from structure cracks and other damages that are not including in the catastrophic collapse. Insurance companies will respond more favorably to clients who have an experienced claims attorney by their side while filing a claim. At MoMo Law, P.A., our sinkhole insurance claims attorneys work tirelessly to hold the insurance companies responsible for the policy they wrote, and that our clients have paid for. We can help you hold them accountable for your sinkhole damage, too.

Is There A Deadline For Filing A Sinkhole Damage Claim?

Sinkhole damage claims must be filed within a two-year period after they occur. Unfortunately, insurance companies are notorious for rejecting claims near their legal deadlines, allowing very little time for policyholders to have their sinkhole damage tested or repaired.

This could leave you, your home, and your property in a compromised position. You deserve more from the policy you have, and from the premiums you have paid, and we will place the necessary legal pressure on the insurance company to uphold their end of your agreement.

If you are getting resistance from your insurance company after your home or property has suffered from sinkhole damage, contact our insurance claims lawyers at MoMo Law at (512) 640-5138 to learn how we can help you face the insurance company with confidence, and get the financial recovery you deserve for your damages.

If you have suffered mold damage to your home or business and the insurance company is delaying, denying, or underpaying your claim, call us today for a Free Consultation at (512) 640-5138. We have a “No Recovery, No Fee” policy meaning that unless we recover on your behalf, there is no cost to you.

MoMo Law is a Sinkhole Damage Claim law firm. Our Sinkhole Damage attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Sinkhole Damage claim attorneys can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Storm Damage Claims

At MoMo Law, our insurance claims attorneys know that your property is part of who you are, and when it falls victim to storm damage, it can leave you feeling helpless.

Our dedicated storm damage lawyers know that no one is immune to Mother Nature’s ire, and when rain, wind, lightning, hail, tornadoes, or hurricanes make landfall, everything you have worked so hard for can be destroyed in seconds.

Unfortunately, when it is time to file an insurance claim for the damages you sustained, it is typically not going to be met with a speedy solution. This is especially true if you live in an area that was extensively impacted by storm damage, as resources will be spread thin as adjusters scramble to assess the widespread damage.

We want to provide the confidence you need to rebuild, so you can take back control of the uncontrollable circumstances that led to your property damage and the need to file an insurance claim.

Here is how we can help.

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Precise Storm Damage Claim Help From MoMo Law

Our storm damage claims attorneys provide skilled legal representation for clients before, during, and after they have filed insurance claims with their providers.

When home, condo, or business owners partner with our storm damage attorneys before they file a claim, we will:

Review their unique insurance policy and the coverage it affords.
Investigate the storm damage through an unbiased professional assessment provided by a public adjuster.
Outline their complete damages and losses to pursue the financial compensation necessary to repair or replace their property.
Submit a formal legal claim with their insurance provider.
Negotiate with the insurance provider to pursue the best outcome.

If negotiations with the insurance provider break down at any time, and we believe our clients deserve a better outcome, we will pursue results inside the courtroom.

If you have already submitted a claim with the insurance company, and are not receiving an adequate response, or believe your provider is acting in bad faith, we can take the lead in investigating where your claim stands, and how we can help advance your best interests.

Contact our dedicated storm damage law firm today to get the help you need.

Can I Appeal a Denied Home, Condo, or Business Storm Damage Claim?

If your storm damage insurance claim has already been denied by your insurance company, we want to help you appeal that decision, so you can pursue the outcome you deserve.

When our clients are met with a denial from the insurance company, it can cause significant stress and anxiety. If your home, condo, or business insurance premium is paid and up to date, the insurance company will lean on denial reasons that have long worked in the industry.

They include citing:

Lack of Coverage

Home, condo, or business insurance does not cover every type of damage. Standard home insurance typically covers damages caused by fire, lightning, and wind, but there are plenty of exclusions to the policy, and the insurance company will use those common loopholes to deny your claim. We can help you understand what coverage you have, and how it should apply to your damages.

Missing the Filing Deadline

No matter how valid your claim is, there are time-sensitive requirements for filing and documenting insurance claims. Depending on your location and policy terms, the statute may differ, but the filing deadline is typically within 180 days to a year.

Insufficient Documentation of the Damage

As a property owner, it is your responsibility to prove the validity of your claim to the insurance company. Not the other way around. Insurance adjusters will need as much information as possible to pay your claim, including an inventory and pictures of the damages.

Non-Disclosure of Facts

The worst mistake policyholders can make when filing a storm damage claim is not disclosing the true nature and scope of their losses.

When you file a storm damage claim, the insurance company will send their adjusters to assess the damages. If they find out that you have not been entirely truthful or put down inaccurate information on your claims form, your claim may be promptly rejected.

Wear and Tear/Lack of Due Care

Homes are built to last a long time, but the years of inclement weather and normal wear and tear can eventually take their toll.

Nearly all property insurance policies stipulate that the home, condo, or business should be well-maintained and kept in good condition. If the insurer finds that the damage was caused by wear and tear or some form of negligence on the part of the policyholder, the claim will likely be denied.

If your storm damage insurance claim has already been denied, it is unlikely the insurance provider will change their position unless you have new evidence to challenge it.

We can help evaluate your claim and determine why the insurance company issued a denial, so we can appeal the decision and start your claim from the beginning. Insurers are less likely to deny a valid claim when an experienced storm damage lawyer is involved.

Contact our experienced storm damage insurance claims attorneys by calling (512) 640-5138 to schedule a free consultation and learn how we can help you pursue the outcome you deserve from your insurance policy without further delay.

Frequently Asked Questions for Our Leading Storm Damage Insurance Claims Attorneys

Are All Home, Condo, and business Insurance Policies the Same?

No. There are different levels of coverage, exclusions, and limits of liability that vary greatly with different companies and policies. Some policies provide basic coverage, while others offer broad coverage and high levels of protection. We can help you understand your coverage terms and agreements, so you know the full extent of your policy’s protection.

How Do I Know if My Property Has Suffered Storm Damage?

Some storm damage – like downed trees, lightning strikes, or hail damage – is evident on sight. If you know you have had a severe storm in your area, and cannot see any obvious damage to your home, but see your neighbors suffering from significant damage or having repairs done to their homes, you could also have damage. Contact a contractor to provide a free property assessment, so you can be sure before any further issues occur.

Does My Insurance Cover All Types of Storm Damage?

Most home, condo, or business owners’ insurance policies cover hail, tornado, and wind damage. However, flooding, hurricanes, or earthquakes usually require additional coverage. It is always smart to check your policy to see exactly what is covered.

How Can I Benefit From Hiring a Public Adjuster to Assess My Storm Damage?

Instead of taking the word of the insurance company’s claim adjuster, hiring your own storm damage adjuster — a public adjuster — or partnering with MoMo Law, who will provide a public adjuster for you, will give you a fair valuation of your storm damage, and likely speed up the insurance claim process and will help ensure you can pursue the proper compensation for all the damage to your property.

Will My Insurance Raise My Premium if I File a Storm Damage Insurance Claim?

It depends on your insurance company and policy terms and conditions. Some insurance companies offer a discount to policyholders who have not filed a claim over a certain period. If you file a claim, you could risk losing that policy discount.

How Do I Know if My Storm Damage Is Just Cosmetic?

Cosmetic storm damage is a bit of a misnomer. Any damage – whether you believe it to be cosmetic or otherwise – to your home, condo, or business could evolve into a serious issue if it is not repaired or replaced right away. Do not give the insurance company a reason to deny a follow-up claim. Act as soon as you see something is wrong with your property.

I Have Looked Around My Property for Storm Damage and Do Not See Any. Should I Get a Second Opinion?

Storm damage is not always visible to the untrained eye. If you are not sure what you are looking for, other than significant damage that could be identified by just about anyone, you could miss an important issue that could turn into something much bigger. A public adjuster can help you identify all damage from the start, so you can pursue an accurate insurance claim.

Protecting Your Rights For More
Than Four Combined Decades

Tornado Damage Claims

Tornadoes can occur with little warning. They can be spawned by severe thunderstorms, tropical storms, or hurricanes, making tornado season nearly year-round, unlike the more seasonal patterns observed in other parts of the United States.

The impact of tornadoes can be catastrophic. These storms are capable of ripping off roofs, shattering windows, uprooting trees, and causing widespread destruction in a matter of minutes.

Homeowners need to review their insurance policies to ensure they have adequate coverage for tornado damage. Understanding what is and is not covered can make a significant difference when filing tornado damage claims.

Does Your Insurance Cover Tornado Damage?

Insurance policies for tornado damage can be intricate and varied. These policies differ significantly in terms of what they cover and to what extent.

Some policies might cover the full cost of damage caused by a tornado, while others may only cover certain types of damage or up to a certain amount. This variance underscores the importance of thoroughly understanding the specifics of your insurance coverage before filing a tornado damage claim.

Typical Coverage Areas
Typically, a standard homeowner’s insurance policy may include coverage for damage caused by wind, which usually encompasses tornadoes. However, certain policies might have specific exclusions or limitations. For instance, a policy might cover damage to the structure of the home but not cover the loss of personal belongings inside the home.
Additional Coverage Considerations
In some cases, homeowners may need to consider additional coverage for complete protection. For example, if a tornado leads to flooding, the standard policy may not cover the flood damage unless the homeowner has separate flood insurance. Similarly, policies might have different deductibles for different types of damage, affecting the out-of-pocket cost for homeowners.

While homeowner’s insurance policies generally provide some level of coverage for tornado damage, the specifics can vary widely. With the assistance of tornado damage insurance claims attorneys, as homeowners, you can better understand the extent of your policy’s coverage and the steps needed to file a comprehensive tornado damage claim.

Avoiding Denied Tornado Damage Claims

Homeowners often face the additional challenge of filing insurance claims for property damage. The process can be overwhelming, and the risk of claim denial looms large. However, several steps can be taken to minimize this risk and ensure a smoother claims process.

Understanding Your Policy
A deep understanding of your insurance policy is essential. This means knowing:
1. What Your Policy Covers: Be clear on what types of damage and losses are covered under your policy. This can vary greatly from one policy to another.
2. Policy Limits and Deductibles: Know the limits of your coverage and the amount of your deductible, as these will affect the amount you can claim.
3. Exclusions and Conditions: Be aware of any exclusions or specific conditions in your policy that might affect your claim.
Prompt Reporting
Timing is crucial when it comes to insurance claims. Delays in reporting the damage can lead to complications or even denials. It’s important to:
1. Contact Your Insurance Company Immediately: Inform your insurer about the damage as soon as possible to initiate the claims process.
2. Provide Required Information Promptly: Be prepared to provide all necessary information and documentation promptly to avoid delays in processing your claim.
Meticulous Documentation
One of the most critical steps in the claims process is documenting the damage thoroughly. This involves:
1. Taking Detailed Photographs: Capture every area of damage, no matter how small. This includes structural damage to the home, as well as damage to personal property.
2. Keeping a Written Record: Alongside photographs, maintain a written log of the damage, including dates, times, and any relevant details that may be useful during the claims process.
3. Preserving Damaged Items: If safe to do so, keep damaged items until the insurance adjuster has reviewed them. This physical evidence can be crucial in supporting your claim.
Communication With Insurers
Maintain open and clear communication with your insurance company throughout the process. This involves:
1. Keeping Records of All Correspondences: Document every interaction with your insurance company, including dates, times, and the content of conversations.
2. Asking Questions: Don’t hesitate to ask for clarifications on any aspects of your claim or the process.

Should You Hire an Attorney for Your Tornado Damage Claim?

One critical decision in the insurance claims process is whether to hire tornado damage insurance claims attorneys. Engaging a legal professional in this context offers several benefits and can significantly impact the outcome of your claim.

Our experienced attorney in tornado damage claims at MoMo Law can:

Interpret Policy Language
Our tornado damage claims lawyers can decipher the complex language in insurance policies, helping you understand your coverage and rights.
Identify Coverage Details
Our tornado damage claims attorneys can point out specific coverage details that you might have overlooked, ensuring that you are fully aware of what your policy entails.
Ensure Proper Filing
Our tornado damage claims attorneys can help you fill out all necessary forms accurately and submit them within the required deadlines.
Manage Documentation
Our team of lawyers can help in gathering and organizing all the necessary documentation to support your claim, such as repair estimates, photographs of damage, and records of expenses.
Handle Negotiations
Our insurance claims attorneys have the skills and experience to negotiate with insurance companies effectively. They know the tactics that these companies may use and how to counter them.
Secure Fair Compensation
Our insurance claims lawyers can argue for a fair settlement that covers the full extent of your damages, rather than the initial offer which may be lower than what you deserve.

Hiring tornado damage claims attorneys can be a wise decision. Our attorneys can alleviate the burden of the claims process, giving you the space to focus on recovery and rebuilding.

If you have suffered tornado damage, do not face the insurance companies alone. Contact MoMo Law today for a free consultation and take the first step towards recovering your losses with a trusted tornado damage insurance claims attorney by your side.

Protecting Your Rights For More
Than Four Combined Decades

Tropical Storm Damage Claims

Natural disasters can cause severe damage to properties and lead to significant financial losses for homeowners and business owners. If you have suffered damage due to a tropical storm, it is essential to understand your legal rights and options. Hiring an experienced tropical storm damage attorney can help you recover the compensation you deserve.

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Damages You Can Claim in Case of Tropical Storm Damage

Tropical storms can cause a wide range of damages, including property damage, personal injury, and financial losses. Some common damages that you can claim in case of tropical storm damage include:

Property Damage: Tropical storms can cause severe damage to your property, including roof damage, flooding, and electrical damage. You can claim compensation for the repair or replacement of your damaged property.
Business Interruption Losses: If your business has been affected by a tropical storm, you can claim compensation for the loss of income or profits caused by the storm. This compensation can cover expenses such as rent, employee salaries, and inventory replacement.
Insurance Disputes: Insurance companies may try to deny or delay your claim, leaving you without the necessary funds to repair your property. A tropical storm damage attorney can help you navigate insurance disputes and negotiate a fair settlement with the insurance company.

Why You Need a Tropical Storm Damage Attorney

If you have suffered damages due to a tropical storm, it is crucial to hire an experienced tropical storm damage attorney to help you recover the compensation you deserve. Here are some reasons why you need a tropical storm damage attorney:

Legal Expertise: A tropical storm damage attorney has the legal expertise and experience to navigate the complex legal system and help you understand your legal rights and options.
Investigation: An attorney can help investigate and determine liability for your damages. This can be crucial in determining the compensation you are entitled to.
Negotiation: A tropical storm damage attorney can negotiate with insurance companies, contractors, and other parties on your behalf to ensure that you receive fair compensation for your damages.
Trial Experience: If your case goes to trial, a tropical storm damage attorney can represent you in court and fight for your rights and interests.

What to Do If You Suffer Damages in a Tropical Storm

If you have suffered damages due to a tropical storm, there are some essential steps you should take to protect your rights and interests:

Contact Your Insurance Company: Contact your insurance company as soon as possible to report the damages and file a claim. Provide as much detail as possible about the damages and the cause of the tropical storm.
Document the Damages: Take pictures and videos of the damages to your property, as well as any injuries you or your loved ones have suffered. Keep records of any expenses related to the damages, such as repair costs, medical bills, and lost wages.
Seek Medical Attention: If you or a loved one have suffered personal injuries due to the tropical storm, seek medical attention right away. Document any medical treatment you receive and keep records of any medical bills.
Contact a Tropical Storm Damage Attorney: Contact an experienced tropical storm damage attorney as soon as possible to help you navigate the legal process and recover the compensation you deserve.

Conclusion

Tropical storms can cause severe damage and financial losses for homeowners and business owners. If you have suffered damage due to a tropical storm, it is essential to understand your legal rights and options. Hiring an experienced tropical storm damage attorney will get you the recompense you deserve.

Protecting Your Rights For More

Water Damage Claims

At MoMo Law, our water damage insurance claims attorneys have represented home and business owners for more than 25 years to ensure they get the most out of their insurance policies, so they know their long-paid premiums are being honored. Our lawyers know that insurance coverage is not cheap, and when your home suffers from natural and non-weather-related water damage, the repair bill can be overwhelming.

If you have insurance coverage for your home or business, you should not have to pay for any water damage on your own. Our insurance claims lawyers will lead you through the claim filing process, support you and your financial recovery needs during negotiations, or confront the insurance company when they have already denied your claim. You do not have to take no for an answer. Our dedicated water damage claims attorneys will review your case for free, and provide the solutions you need to pursue the best financial recovery available for your case.

What Are The Most Common Causes Of Water Damage Claims?

Water damage can devastate homes and businesses without notice, as long-leaking pipes or flash floods can compromise the integrity of your structure and lead to a staggering repair bill that requires an insurance claim to be filed quickly and effectively.

Some of the most common causes of water damage claims can include:

Hurricanes, storms, and heavy rains
Storm surges
Sewage backups
Broken or leaking pipes
Damaged appliances, including water heaters
Malfunctioning Sump pumps

Whether your property damage was the result of a natural disaster, like a hurricane or storm surge, or was caused from a worsening leak occurring behind the scenes, you deserve to get the financial recovery that is outlined in your insurance policy. You have paid your premiums. Now it is time for the insurance company to provide the protection you need to get your property back on track.

How Common Are Water Damage Insurance Claims Made?

Water damage claims rank among the top most commonly filed insurance recovery requests by home and business owners throughout the country. While policyholders will observe the damage as something the insurance company should cover, the insurer will work hard to find a reason to deny, delay, or underpay the claim.

Often, insurers will cite pre-existing conditions or other uncovered circumstances as the reason behind the water damage, leaving home and business owners in a financially compromised position to pay for the damage on their own. Do not allow your insurance company to reject or underpay a claim you know they should pay. We can help you hold them accountable for the coverage that is available in your policy, so you are not left paying out of pocket

How Will I Know If I Am Getting The Financial Recovery I Deserve?

When your home or business suffers water damage, the insurance adjusters will determine the financial recovery you deserve — unless they reject the claim altogether.

There are times when your insurance company could be handling your claim in bad faith, which undermines the integrity of your policy and its coverage.

Other times, insurers will simply undervalue your claim to see if they can get away with it. Their corporate goal is to pay their policyholders as little as possible, citing confusing or unclear verbiage that is outlined in their coverage as exceptions for making proper payment.

At MoMo Law, P.A., our insurance lawyers can prepare an effective claim that allows us to aggressively pursue the insurance company on your behalf, so you are adequately reimbursed for your losses.

Should I Seek An Independent Appraisal For My Water Damage Claim?

Seeking an independent appraisal of your water damage can jeopardize your ability to recover fully, should your case appear before a jury. Hiring an independent appraiser may be considered a breach of contract with the insurance company, which means you may be causing more harm than good by enlisting a third-party agent without consulting with an attorney first.

Before you make any decisions regarding your water damage claim, contact MoMo Law at (512) 640-5138 to understand the best legal path to recovery. We will review your case at no cost, and provide the legal advice you need to make an informed decision regarding your financial recovery from the insurance company.

How Can MoMo Law P.A. Help Me Get The Financial Recovery I Deserve?

Each insurance recovery client we represent has access to our accomplished attorneys and their more than two decades of collective experience in holding the insurance companies responsible for the policies they write.

At MoMo Law, our water damage insurance claims attorneys can provide creative and effective solutions to complex disputes between home and business owners and their insurance companies by calling (512) 640-5138 to schedule a free consultation today.

MoMo Law is a Water Damage Claim law firm. Our Water Damage attorneys offers free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Water Damage claim attorneys can help you confront the insurance company for the financial recovery you deserve.

Protecting Your Rights For More
Than Four Combined Decades

Wind Damage Claims

Tropical storms and hurricanes can often lead to significant wind damage, leaving homeowners with the daunting task of filing awind damage claim. Navigating the complicated insurance claim process can be stressful, especially when you’re already dealing with the aftermath of a storm. That’s where MoMo Law comes in. Specializing in wind damage claims, we provide competent legal support to make sure you get the compensation you deserve.

What Should You Do in Case of a Wind Damage Claim?

A wind damage claim, despite its seemingly daunting nature, can be handled efficiently with a systematic approach. The initial steps you take can significantly influence the outcome of your claim.

First and foremost, the safety of your family and yourself is paramount. Once that’s ensured, it’s crucial to document the damage meticulously. This documentation, including photos, videos, and a comprehensive inventory of damaged items, forms a critical part of your claim, substantiating the extent of the damage.

Next, it’s necessary to contact your insurance company as promptly as possible to initiate the claim process. Meanwhile, avoid conducting any major repairs before the insurance adjuster’s visit. If temporary repairs are essential to prevent further damage, make sure they are adequately documented. Remember to retain receipts of any such expenses, as they may be covered as part of your claim.

Why You Need a Wind Damage Claim Attorney

While the steps above seem straightforward, the wind damage claim process can be complex and drawn out. Often, insurance companies may deny claims or underpay, leaving homeowners in a challenging situation. This is where a wind damage claim lawyer can be a game-changer.

An experienced wind damage claim attorney understands the nuances of insurance policies and the claim process. They can advocate for your rights, ensuring you receive the compensation you’re entitled to under your policy. MoMo Law, a wind damage claim law firm, has a team of lawyers experienced in dealing with insurance companies, and we can effectively negotiate on your behalf.

Moreover, an attorney can also help if your claim is unjustly denied or if the insurance company is delaying the settlement process. We can guide you through potential legal actions to ensure your claim is addressed appropriately.

What to Expect When You File a Wind Damage Claim

Filing a wind damage claim might seem straightforward, but many factors could complicate the process. In some instances, insurance companies may undervalue your claim or deny it altogether.

When you approach us, we will first evaluate the extent of your property damage. This assessment forms the basis of your wind damage claim. We will then meticulously review your insurance policy to understand your coverage limits and exclusions.

Once we’ve gathered this information, we’ll proceed to file the claim on your behalf. This step involves compiling evidence, including photos of the damage, receipts for any immediate repairs, and estimates of repair costs. Should your insurance company challenge your claim, our attorneys are skilled at providing compelling counterarguments to ensure fair compensation.

Throughout this process, we aim to alleviate your stress and burden. We understand that you’re already dealing with the aftermath of a windstorm; let us handle the complexities of your wind damage claim.

Choose the Right Wind Damage Claim Law Firm

Selecting the right wind damage claim law firm is critical to the successful resolution of your claim. It’s crucial to opt for a firm with a robust track record in managing wind damage claims. MoMo Law, with its experienced team of attorneys, stands out as a formidable choice. Our proven record and client testimonials testify to our ability to make a significant difference in the outcome of your claim.

Here’s why we stand out as a premier wind damage claim law firm:

Experience: Our team of attorneys has extensive experience with wind damage claims. We know the ins and outs of insurance law, ensuring you get the compensation you deserve.
Commitment: We work tirelessly to defend your rights against insurance companies. We’re committed to making the claim process as smooth and stress-free as possible.
Client-centric approach: At MoMo Law, we prioritize our clients. We listen to your needs and tailor our services to your unique situation.
No-win-no-fee policy: We operate on a contingency fee basis. That means you don’t pay us unless we win your claim.

Homeowners must take wind damage seriously. The process of filing a wind damage claim, while potentially overwhelming, can be navigated smoothly with the right preparation and professional support. By enlisting the help of a seasoned wind damage claim lawyer, you can ensure your claim process is conducted efficiently and that you receive fair compensation for your losses.

FAQs on Wind Damage Claims

1. What is a wind damage claim?

A wind damage claim is a formal request made to an insurance company for compensation due to property damage caused by wind-related events, such as hurricanes or severe storms,.

2. How do I file a wind damage claim?

To file a wind damage claim, first, ensure safety and then document the extent of the damage with photographs and/or video. Contact your insurance company as soon as possible and provide them with the necessary documentation. If the claim process becomes complex, hiring a wind damage claim lawyer can be beneficial.

3. Why should I hire a wind damage claim lawyer?

A wind damage claim lawyer has experience in navigating insurance claims. They can help ensure that your claim is correctly filed, that the extent of your damage is accurately represented, and that you receive the compensation you deserve.

4. Can I file a wind damage claim after my initial claim was denied?

Yes, with the help of a wind damage claim attorney, you can dispute an unfairly denied claim or an insufficient settlement offer. They can review your policy, assess the damage, and negotiate with your insurance provider to seek a fair settlement.

5. How long do I have to file a wind claim?

The timeframe for filing a wind damage claim depends on the terms of your specific insurance policy. However, it’s generally best to file as soon as possible after the event. Your wind damage claim lawyer can help you understand the deadlines stipulated by your policy.

Conclusion

Our wind damage claim lawyers are ready to assist you. No matter the size of your claim, we will work diligently to ensure you receive fair compensation for your losses. We understand the distress and uncertainty that come with wind damage; that’s why we’re committed to providing comprehensive legal support.

If you’re dealing with a wind damage claim, MoMo Law is here to help. Reach out to us today to schedule a free consultation with our experienced attorneys. We’re not just a wind damage claim law firm, we’re your advocates in this challenging time.

Our Location

MoMo Law

Plaza 7000
Austin, TX 78731
Map & Directions

(512) 640-5138

Contact Us

Take the first step towards securing your rights – connect with us, and let MoMo Law be your unwavering advocate in navigating property damage claims.

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