Tupelo, Mississippi Vandalism Insurance Lawyers

What types of vandalism insurance disputes does McWherter Scott & Bobbitt handle?

Our Tupelo, MS insurance dispute lawyers have the experience and working relationships to handle all types of insurance disputes. We regularly anticipate the ways your insurance company will try to deny or limit your claim – and take proactive measures to counter their arguments.

Our Tupelo, MS vandalism insurance dispute lawyers help policyholders favorably resolve the following types of insurance disputes.

• Coverage denials and exclusions. Insurance disputes often involve an insurer’s denial of coverage or reliance on a policy exclusion. Evaluating these issues requires a careful review of the specific language in a homeowner’s or commercial property insurance policy. Courts may interpret policy provisions differently depending on whether the language is clear or ambiguous, and outcomes can vary based on the facts and the applicable law. Property insurance policies commonly include vandalism or malicious mischief coverage, but coverage may be limited or excluded depending on the policy terms. For example, some policies contain provisions that restrict coverage when a property is vacant or unoccupied for a specified period of time. Because policy language and requirements differ, policyholders should review their own policy carefully to understand how these provisions may apply to their situation.
• Practical advice. Our Tupelo vandalism insurance lawyers will review what you need to do after vandalism occurs, such as to prevent theft (such as installing new locks), prevent intrusion (such as boarding up broken windows), and take other protective steps.
• Whether to repair, replace, or rebuild. Our lawyers work with home, commercial property, and other professionals who can determine if it's safe and practical to repair your damaged property, whether there is any hidden damage or structural damage, and when it would be better to rebuild your property or buy replacement property – depending on what property is damaged, its functional use, its appearance, and other factors.
• Temporary advances. Our lawyers regularly work to obtain temporary advances if you need to move to a new location while the estimates and repairs or rebuilding take place. We review all aspects of the move, including the time you’ll need to be in a new location, where you can move to, what essentials (such as new clothes and money to dine out) you’ll need, and other relocation costs.
• Business interruption costs. If vandalism in Tupelo forces you to move to a new business location, our lawyers work to obtain the business interruption payments you paid for (if you bought business interruption coverage). These coverages include the cost of a new facility, inventory, advertising, notices to clients and others, technology costs, overhead costs, payroll expenses, and other business interruption expenses.
• The cost to restore your property. Once a decision is made about whether you will repair, rebuild, or replace your property, we review all the small details that can affect the value of your overall claim. These factors include reviewing the materials, the condition of the property before the vandalism, and many other factors.

We recommend that owners of cars, trucks, motorcycles, or any other vehicles buy comprehensive insurance. Comprehensive insurance should cover vandalism to your car; homeowner’s insurance generally covers vandalism to your home and its contents.

While we settle many insurance claims, we’re always ready to submit your case to a judge, jury, or a board of arbitrators. Our vandalism insurance dispute lawyers can also file bad-faith negotiation actions when insurance companies unfairly try to deny, reduce, or stall your claim.