Jackson, Mississippi Vandalism Insurance Lawyers

What types of vandalism insurance disputes do you handle?

Our Jackson, MS vandalism insurance lawyers work to obtain all the proceeds you deserve based on the terms of your homeowners’ or commercial property insurance policy. We regularly anticipate and counter the arguments insurance companies will use to try to deny your claim or limit the amount they’re willing to pay.

Our Jackson, MS insurance dispute lawyers help policyholders handle the following disputes and issues when vandalism occurs:

• Denying or limiting coverage. We review your insurance policy to determine what damage is covered and what damage is not covered. Generally, home and commercial property insurance should cover vandalism unless there is a specific exclusion or exception. For example, if you are going to be vacant from your property for a substantial amount of time, then your policy should include a vacancy endorsement.
• Practical advice. We can review whether you should board up any broken windows or doors to prevent theft, and what other steps you may need to take to protect your property until the restoration is complete.
• Evaluating whether to repair, replace, or rebuild. At McWherter Scott & Bobbitt, we work with experts in the type of work that needs to be done (such as roofers, door replacement specialists, water removal experts, and fire damage experts), building code officials, and others. These professionals can help you decide if repairs are safe and feasible, what hidden damage there is, and if you need to rebuild part or all of your property from scratch.
• Relocation expenses. While decisions about whether to repair or rebuild your property are being made and while the restoration work is being done, home and business owners may need to move to a new location to live and work. We review the need to relocate, the time you need to spend at a new location, the cost of the move, the cost of necessities (for example, the cost to eat out because you don’t have access to your kitchen), and other relocation expenses. Our team can also negotiate advances if they are covered by your insurance policy.
• Determining the cost of the restoration. Depending on which remedy is necessary (repair, rebuild, or replace), we work with experts who can assess the materials you need, the timeline for the restoration, and many other factors that determine the entire cost of returning your property to the condition it was in before the vandalism occurred. We’re able to review your policy to determine which valuation method should be used.
• Business relocation costs. Businesses that have business interruption coverage (as part of their commercial property policy or another policy) have the right to more than just relocation costs. We work with professionals in your line of work to obtain payment for your overhead costs, payroll expenses, equipment and technology costs, marketing expenses, and other business losses, including lost profits. Even nonprofits can purchase business interruption insurance.
• Comprehensive insurance. Vehicle owners should buy this insurance to cover any vandalism of their vehicles.

We work to settle your case, but we’re always ready to try your case in court if the insurance company’s settlement offers are not reasonable. We file bad-faith negotiation claims when insurance companies unfairly try to deny, limit, or delay your claim.