Damage from work inside the home
Scratched floors and similar damage left behind by a cleaning or pest control company, pursued against the general liability insurance those companies typically carry.
Florida property damage attorneys
Company-Caused Property Damage Lawyer
Service companies carry liability insurance for exactly this reason. We help you reach it instead of absorbing the cost yourself. The first step is finding out which company, and which claims process, actually applies.
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Company-caused damage claims
The business that caused the damage usually has coverage for it. Reaching that coverage is the job.
Cleaning services, pest control companies, delivery drivers, landscapers and utility crews all carry some form of liability coverage for exactly the kind of damage they sometimes cause, whether it is scratched floors, a damaged driveway, crushed landscaping or a punctured line during nearby work.
Pursuing that company's coverage directly is often the more direct path to a fair recovery, rather than relying solely on your own policy.
The company rarely volunteers its insurance information. Asking for it, and knowing which claims process applies to that company, is where the recovery actually begins.
01
Whether the responsible company carries liability insurance is checked first.
That coverage is the more direct path to recovery, and it exists separately from your own homeowners policy. Everything else in the claim follows from who is insured.
Right after the crew leaves
Get the name. Then get the pictures.
A company-caused claim is easier to pursue when the company, the crew and the damage are all pinned down on the same day.
01 /
Identify the company
Get the business name, driver or crew details, and any work order. The right company, and its insurer, cannot be pursued until you know who was actually there.
02 /
Photograph the damage
Document the affected area as soon as it is discovered. Include what is not obvious, since the full extent of the damage matters as much as the visible part.
03 /
Report it to the company
Notify them directly and ask about their liability claims process. A utility company may route you through its own specific procedure rather than a standard claim.
04 /
Consider your own policy too
File with your insurer if repairs are urgent or the process is slow. Your insurer may pursue reimbursement from the responsible company afterward through subrogation.
Unsure about filing with your own insurer as well? It can be worth doing both, particularly if repairs are urgent and the company's claims process is slow. Your insurer may pursue reimbursement from the responsible company afterward through subrogation.
What a claim can address
Floors, driveways, landscaping, and the damage nobody noticed at first.
The claim covers what the company actually damaged, including the part that only shows up once the obvious repair is priced.
The obvious damage is the starting point. The documented extent is what the claim is worth.
Driveway and landscaping damage
A damaged driveway or crushed landscaping from a delivery vehicle or a landscaping crew, pursued against the company whose driver or crew caused it.
Damage from nearby utility work
A punctured line or other damage caused by a utility crew working near your property, routed through whichever claims process that company actually uses.
Which process applies
A private business and a utility company do not handle damage claims the same way.
Utility companies in particular often route damage claims through their own specific process rather than a standard liability claim, and knowing which process actually applies to your situation saves real time.
That is why identifying the company comes before anything else. The name on the truck, the work order and the crew details decide which door the claim goes through.
Liability coverage
What we check on every company-caused damage claim
Four questions, in order. The answers decide where the claim goes.
01
Is the company insured?
Whether the responsible company carries liability insurance, which service companies working in your home typically do.
Whether the responsible company carries liability insurance, which service companies working in your home typically do.
02
Is there a separate process?
Whether a utility or municipal claims process applies instead of a standard liability claim against a private business.
Whether a utility or municipal claims process applies instead of a standard liability claim against a private business.
03
Should your policy go first?
Whether your own policy should respond first while liability is resolved, particularly if repairs are urgent.
Whether your own policy should respond first while liability is resolved, particularly if repairs are urgent.
04
Is the whole loss documented?
Whether the full extent of the damage, not just the obvious part, is documented before repairs begin.
Whether the full extent of the damage, not just the obvious part, is documented before repairs begin.
How the responsible company actually gets held to it. Service companies working in your home typically carry general liability insurance covering exactly this kind of damage. The delivery company is generally responsible for damage its drivers or vehicles cause during a delivery, and larger companies typically carry commercial insurance for these situations. We identify that coverage and pursue it directly rather than relying only on your own policy.
How we work
You name the company. We find its coverage.
A company-caused claim turns on identifying the right business and the right process, then documenting the full loss. We handle both, and we coordinate your own policy if it needs to respond first.
Talk with our team01
We identify the company and its coverageBusiness name, driver or crew details, the work order, and the liability policy that stands behind them.
02
We sort out which process appliesA standard liability claim against a private business, or a utility company's own procedure, whichever the company involved actually uses.
03
We coordinate your own policyIf repairs cannot wait, we help get your own claim moving while liability is resolved, with subrogation sorted out afterward.
A simpler way forward
Three steps, starting with who was there.
You do not need the company's insurance details before you call. Bring what you know about who did the work and what you photographed.
01
Tell us who did the work
Call, or send a few lines through the form. We ask which company was involved, what they damaged, and whether you have reported it yet.
02
Hear which path applies
We tell you whether this is a standard liability claim, a utility company process, or a case where your own policy should go first.
03
Let us handle the company
If we take the claim, we deal with the company, its insurer, and your own carrier if needed, while you get the repairs moving.
Already reported it and heard nothing back? Send us what you sent them. A slow or silent claims process is a reason to call, not a reason to wait.
Company-caused damage claim questions
Clear answers about damage caused by a company.
These answers are general. Which company was involved, what coverage it carries, and how urgent the repairs are decide your claim.
Ask us about your situation ↗A cleaning or pest control company damaged my floors. What are my options?
Service companies working in your home typically carry general liability insurance covering exactly this kind of damage. We help identify the responsible company's coverage and pursue it directly rather than relying only on your own policy.
A delivery driver damaged my driveway or landscaping. Who is responsible?
The delivery company is generally responsible for damage its drivers or vehicles cause during a delivery, and larger companies typically carry commercial insurance for these situations. We help document the incident and pursue the right company.
A utility company damaged my property while doing work nearby. How is that different?
Utility companies often have their own claims process and specific procedures for property damage, which can differ from a typical liability claim against a private business. We help navigate whichever process actually applies to the company involved.
Should I still file a claim with my own homeowners insurance too?
It can be worth doing both, particularly if repairs are urgent and the company's claims process is slow. Your insurer may pursue reimbursement from the responsible company afterward through subrogation.
Proof and further reading
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