What Is Property Damage? Attorney’s Guide for Homeowners & Business Owners

By Godbey Giardina Law Group – Property Damage Attorneys Serving Louisiana and Florida 

When your home or business suffers harm, you may wonder: Do I have a property damage claim? What qualifies as a good claim? Or Is it worth filing a claim? As experienced plaintiff attorneys focused on property damage law, we help policyholders throughout the country including, Texas, Louisiana, Florida and the Gulf Coast understand and enforce their rights under insurance policies. This guide breaks down what property damage is, what qualifies as a claim, and what types of damage are typically covered. 

What Is Property Damage? 

Property damage refers to physical damage, destruction, or loss affecting your real or personal property. This can include anything from a tree falling on your roof to water flooding your business. If the damage was sudden, accidental, and not due to negligence or wear and tear, you likely have a valid claim. 

What Qualifies as a Property Damage Claim? 

To pursue a property damage claim with your insurance company, the damage must generally meet these criteria: 

1. Sudden or Accidental Event – Not due to long-term neglect or gradual deterioration 

1. Covered Cause of Loss – Such as fire, wind, hail, water, or vandalism 

1. Proof of Loss – Documented with photos, invoices, or inspection reports 

1. Within the Policy Period – The damage must occur while your policy is in effect 

Common Types of Property Damage Covered by Insurance 

Policies differ, but most homeowner and commercial property insurance includes coverage for: 

• Wind and Hurricane Damage – Especially critical in coastal areas like Texas, Louisiana Mississippi, Alabama and Florida 

• Hail Damage – Often affects roofs, siding, and windows 

• Water Damage – Includes burst pipes, roof leaks, and storm-related flooding (may require separate flood coverage) 

• Fire and Smoke Damage – From electrical faults, wildfires, or other ignition sources 

• Vandalism and Theft – When malicious acts damage property 

• Falling Objects – Such as tree limbs or debris 

• Mold – In certain circumstances if related to a covered peril or if the policy has a specific endorsement 

Remember: insurers often try to narrow or exclude coverage. That’s why it’s essential to understand your specific policy. 

Free AI-Powered Policy Review: Know What’s Covered 

Godbey Giardina Law Group offers a free AI Insurance Policy Analyzer directly on our website. Upload your policy and receive: 

• A plain-English summary of your coverage 

• Flagged exclusions and limitations 

• Identification of missing or unclear protections 

• Deductibles, coverage limits, and storm-specific clauses 

Try it now at www.GodbeyGiardina.com – no obligation, just clarity. 

Why Work With a Property Damage Attorney? 

Insurance companies are profit-driven.  As plaintiff attorneys, we fight back when they: 

• Deny legitimate claims 

• Delay inspections or payments 

• Offer lowball settlements 

We’ve helped homeowners and businesses across the Gulf coast in Texas, Louisiana, Mississippi, Alabama and Florida recover the full value of their losses—and we can help you too. 

Talk to Us Before You File or Settle 

Don’t wait until your claim is denied. Let us help you from the start. 
 
📍 Louisiana Office: LouisianaPropertydamage.com
📍 Florida Office: Floridahomelawyers.com
📞 Call Us: (985)590-4650
🌐 www.G-Glawgroup.com 
 
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