The days of quick and fair reimbursement of insurance claims are long gone. As far as property insurance goes, you pay a huge amount of money to protect your property and expect to be reasonably reimbursed in full in the event of a claim.
You may end up disappointed when you find out that the insurance companies only want to minimize their losses and pay you the lowest amount they can. For this reason, you need to hire an specialized attorney locally – such as property insurance claims attorney Hollywood, FL if you’re residing in the area – to represent you.
Why Hire an Insurance Claims Lawyer?
1. Reduces Stress
Legal cases, no matter the type (you can think of things from damaged rental property due to bad tenants to damages caused by force majeure like Tornado,) can be stressful especially if you haven’t been through this kind of experience before. Property insurance claims attorney can help you achieve your goals by pursuing justice in a fair, civil way. One of the best reasons to hire a lawyer, is that they can be such a huge support to you. You can use their knowledge and experience in property insurance to guide you, advise you, and so on! This can take the burden off your back.
2. Free Consultations and Professional Representation
Free consultations can be very helpful. This not only helps you gain insight into your case, but it can also tell you how an insurance attorney can assist you. This is important especially if you do not have any idea of what to expect. The more you understand how an attorney can help you, the more confidence you’ll gain with your situation. Having a professional by your side to represent you can also boost your morale.
3. Knowledge of Insurance Law
Filing a property insurance claim means you are going up against a large institution—in this case the insurance company and its team of lawyers and adjusters. You will need a lawyer who is knowledgeable in insurance law to guide you throughout this process. This way you won’t be lost or confused through the whole ordeal.
Having a lawyer by your side, especially someone who knows how to negotiate properly can be your biggest weapon.
4. They are Experienced in Property Insurance
You may find that dealing with insurance carriers, regardless of whether it’s your employer’s worker’s compensation insurance, or retirement insurance, can be different. They are simply not the same. This is because each insurance agency is different so it would be wise to find an attorney that has a great deal of experience in this field.
How Will the Insurance Company Assess My Claim?
Normally insurance companies hire insurance adjusters, and in some cases insurance company lawyers, to assess the amount of your claim. The claims adjuster will pay a visit to your property and perform thorough inspections. It would be a lot better if you could have your own adjuster or lawyer at this stage in order to protect your interests.
The insurance company will ask you and other parties involved on what caused the claim as well as the resulting damage. They will also take photographs and complete reports as well. If you provide them with the wrong information, the insurance will use that against you to lower the amount of your claim.
What Type of Property Damage Claim Can A Property Insurance Claims Lawyer Help You With?
A property insurance claims attorney can help you in any situation that involves damage to your property that’s covered by your insurance policy. Some examples include:
- Water Damage
- Theft or vandalism
- Damage from natural disasters such as floods, storms, hurricanes, high winds, and tornadoes.
What if Your Insurance Denies Your Claim?
If your insurance company rejects your claim or refuses to pay the full value of your claim, there’s no need for you to accept this. More often than not, insurance companies wrongfully deny or undervalue claims. To protect yourself from this, you’ll need the help of a property insurance claims attorney. They can provide you with the representation you need, and help you file a lawsuit to obtain the benefits you deserve in accordance with your insurance policy.
When Should You Contact an Insurance Lawyer?
Do you feel like you need to get in touch with a lawyer to discuss your insurance claim? Some small tie claims usually get settled without any trouble. But in cases where there’s more money at stake—for both you and the insurance company—there is a higher chance for dispute.
This could include:
- Expensive or complicated claims
- Claims where it is difficult to establish where fault is
- Claims where you and the insurance adjuster don’t agree early on.
- Huge claims, like extensive water damage, house damage after a fire, or tornado
If you believe you have an insurance claim, you need to contact a lawyer before you speak with any insurance representative. Consulting a lawyer for a potential insurance claim is usually free, so you shouldn’t have any problem getting reliable legal advice before you move on to the next step.
When you do decide to hire an insurance claims lawyer for your case, do it as soon as you can. Your lawyer will present your claim in your favor and provide the insurance company and claims adjusters with the correct and appropriate information. This is so that they can adjust your claim and maximize its value so you will be completely reimbursed for your losses. When you say or do the wrong thing, you could end up jeopardizing your claim and lose benefits you are entitled to and paid for under your insurance policy.
A good lawyer will act on your behalf and have your best interests in mind. They will do everything they can to maximize your claim. The first consultation with the lawyer is usually free, and the attorney’s fees for your lawyer are usually paid for by the insurance company.
To Cap it Off…
We hope you find a smooth and effective solution to your insurance claim or insurance situation. Once you are ready to act on it and get the compensation you deserve, don’t forget to enlist the help of an insurance attorney.