Home insurance is one insurance you do not want to be without. Home insurance is what protects you financially after there is damage done to your property. People tend to not think about home insurance until the storm hits. Once you obtain home insurance, make sure you understand everything in your policy. Understanding your policy will save you a headache later. It is better to understand a complicated policy when you have a clear head than try to piece it together during a stressful time.
Freundlich & Littman, LLC are home insurance claims lawyers. If you are in need of a lawyer to fight your homeowner’s insurance claim, we are here for you.
After Damage Occurs
After a contractor takes your money and leaves, your next step is to get in touch with your insurance company to file a claim for the damages. You pay money each month and deserve the have the fullest protection for your money.
Your next priority is maintaining all the evidence. You do not need to laminate everything or go overboard to preserve the evidence. It is enough to just take pictures of all the damage.
If necessary, call the police. The police will give you a full report for your records. Any forms that you sign or fill out in connection with your insurance claim should be in your personal records. Keep all documents in a safe place until the insurance claim process is complete.
If you need to leave your home, keep receipts. Some insurances will reimburse you for hotel or motel stays.
Your insurance company will ask you to provide your basic demographic information and details about the damage. Especially if the damage is costly, your insurance company will most likely have an insurance adjuster contact you. The adjuster is there to determine the value of your claim.
Prepare yourself for several questions regarding your claim. The insurance adjuster’s job is to make sure the insurance companies only pays for what they have to by law. Insurance companies may also require you to show proof for whatever insurance payouts you feel entitled to receive. Insurance adjusters will try to get you to settle your claim. In short, never agree to a settlement offer that you are not comfortable with.
If you feel that you are not getting the full amount that you feel entitled to, do not accept payment. If an offer from the insurance adjustor does not feel fair, do not hesitate to contact legal counsel to review your options. Insurance companies have a lot of weight in the legal world. They have adjusters and attorneys on their side. If you also have someone on your side, it will help the process.
What Happens With The Claim?
Your insurance company may assign your claim to an insurance adjuster. The job of the adjuster is to save the company money, determine the insurance company’s liability and put a monetary value on your claim. At some point, your company’s representative will contact you. Their agent will ask you many questions about your claim. Their goal is to weed out fraudulent claims.
They may even call you into an examination under oath. If you find yourself with a summons to an examination under oath, do not hesitate to contact a legal representative. During this whole process, the insurance company is not on your side. Having a lawyer to fight for you will make the process smoother.
The insurance adjuster will offer you an initial settlement offer that is congruent to how much they think the claim is worth. If the amount is not enough to cover everything and you feel entitled to more, make sure to deny the initial offer. Contact an attorney immediately to discuss the validity of your claim. An attorney will have the negotiation skills necessary to get your insurance company to comply.
What If The Insurance Company Will Not Pay?
If your insurance company denies your claim, you have options. First, try to reason with your insurance company. It may be just a small error which caused the denial of benefits. Speak with an actual representative. It may help move the case along. Instead of relying on e-mail communications and forms, speak with someone.
If that does not work, contact an attorney straight away. Insurance companies can take a few weeks to process your claim from start to finish. When deciding whether to appeal, do not hesitate to seek outside advice.