If you or someone you know is involved in a dispute with your insurance company regarding property damage or life Insurance; whether it is a denial or an underpayment, it is imperative that you contact a lawyer that is knowledgeable regarding insurance coverage issues.
It is important to keep in mind that most insurance companies are a for-profit company. Insurance adjusters, employees of the insurance company, will ultimately be accountable to the company’s bottom line. In our team of lawyers’ experience, there is, on average, a 20-50% difference between the insurance adjuster estimate versus an independently-hired contractor or estimator.
In short, you should always consult an experienced first-party property insurance attorney for the following:
- Property Damage
- Life Insurance Disputes
- Business Interruption
Homeowners pay expensive insurance premiums to ensure the safety of their property. Insurance companies should honor their clients with appropriate evaluations, payments and service. Homeowners insurance will cover any of the following:
- Theft or burglary
- Fire damage & loss
- Roof damage
- Water damage
- General property damage & loss
Damaged or lost property can have negative effects on individuals and families if they do not receive the insurance coverage they paid for and expected. Legal actions are often initiated against insurance companies when their valid claims are denied, reduced, paid out at a lower than expected level, or even been completely ignored. These actions are unacceptable.
As insurance lawyers, we can help you fight to receive proper insurance compensation from your insurance company. I understand that receiving low payments or being given the “runaround” can cause serious stress and financial strain and be difficult to deal with. Our firm will look through all of the details, including every line of your homeowner’s insurance policy to determine what options you have available.
Life Insurance Disputes
The grief and pain of a loved one’s death can be compounded by the actions of an insurance company that fails to pay a valid life insurance claim.
Life insurance companies may delay payment unreasonably, whether they are waiting on a death certificate, investigating the claim, or reviewing the policy.
Denial of life insurance may also happen unreasonably when life insurance companies try to save money on an exclusion which may not even apply. If you believe your life insurance company denied payment of life insurance benefits and you are entitled to receive the money, we may be able to help.
The loss of a loved one can be hard enough to deal with, but when a loved one dies leaving life insurance proceeds to their beneficiaries and the life insurance company delays or denies payment, there can be a devastating financial burden on the deceased person’s family.
Business Interruption Insurance Claims
As a business owner, you understand how important it is to honor your promises to your customers. So you have a unique appreciation for the claims that result when an insurance company fails to honor its promise to you.
Insurance can be confusing. Often, insurance policies overlap and relate in complex ways that may result in providers being careless when investigating a claim or in a carrier pointing at another insurance company instead of honoring its promise. This carelessness can result in a denial or underpayment of the full insurance claim.
“Business interruption” insurance provides money for lost income during the time required to repair physical damage resulting from a burglary, hurricane or another disaster. Business interruption insurance is intended to ensure that the business receives the amount of profit it would have earned had there been no interruption of the business.
Our firm understands how business interruption insurance can make the difference between being able to rebuild your damaged company and having to close your doors for good. If an insurance company is denying, delaying or disputing your business interruption insurance claim, putting an experienced insurance dispute attorney in your corner may be what you need to save your business.