insurance dispute attorney

3 Critical Things Your Insurance Dispute Attorney Wants You to Know

RRBHLAWZENblogHomeowners' Insurance, Insurance Litigation, Personal Injury Lawyer Florida, Slip and Fall

Even though insurance companies are required to act in good faith, many attempt to take advantage of the complex and intimidating nature of the claims process to pay less than they should. Any insurance dispute attorney knows that the insurance companies are going to do what they can to reduce the claims they have to pay out. But as they say, knowledge is power. Here are a few things you should know about the insurance claims process. Adjusters Know How to Negotiate It’s pretty easy to assume that the adjuster the insurance company sends is on your side. They’ve spent a lot of money cultivating that image with commercials that imply that they are going to take care of you like family. Unfortunately, that is not always the case. Insurance adjusters are trained in negotiation. For someone unfamiliar with the claims handling process, negotiating with an adjuster can be difficult, especially since they often ask questions that can be used by the insurance company to deny your claim. Talking to an insurance dispute attorney or even letting one take over the claims process for you can save you a headache in the future. Adjusters Want to Undervalue Your Claim In …

insurance dispute lawyer

Homeowner’s Claim Denied? An Insurance Dispute Lawyer Can Help

RRBHLAWZENblogHomeowners' Insurance, Insurance Litigation

When you file a homeowner’s insurance claim, stress can build to intense levels. Wouldn’t it be nice if you didn’t have to worry about your insurance company denying your claim on top of everything else? Unfortunately, any insurance dispute lawyer you ask will tell you that it happens a lot. This is because insurance companies exist for one main purpose: to make as much money as possible. While having this goal doesn’t mean they will outright deny you coverage without due cause, it could mean you receive a settlement that is lower than you expected. Sometimes this happens because you and your insurance company aren’t sharing enough relevant information with each other. Fortunately, you can take these steps if you think you’ve been wrongfully denied coverage or if you think your settlement should be higher. Get Your Insurance on the Phone As soon as you receive word of a low settlement or a denial, start the process of getting in touch with your insurance. Be sure to come prepared—review your claim and come up with some ways to make your case more clear. The solution to the problem might be a simple one, such as providing more evidence of loss …

Room with billiards table homeowners insurance coverage

Do I Have Enough Homeowners Insurance Coverage?

RRBHLAWZENHomeowners' Insurance, Insurance Litigation

Determining how much homeowners insurance coverage you need can be a difficult process, but if something should happen to your home, being as accurate as possible is definitely worth the time and effort it takes. If disaster hits, you’ll want to not only have enough to rebuild the structure of your home but also to replace belongings, to cover living expenses while you rebuild, and to protect you against liability. Here’s what you need to consider when buying homeowners insurance coverage: Factors That Will Impact How Much Coverage You Need A standard policy covers things like damage from storms, fire, and explosions. If flooding and earthquakes are common to the area you live in, you’ll need to purchase additional coverage. You’ll want to make sure that the coverage you buy is adequate to completely rebuild your home. If your coverage is based on your mortgage amount—as required by some lenders—be sure that the amount is equal to or greater than the cost to rebuild. To calculate costs, do some research on the following: The total square footage of the structure (or structures if you have multiple buildings) Local construction costs Once you have these two figures, simply multiply them for …