When a car accident, house fire, or something else unimaginable happens, people rely on insurance companies to provide coverage and ease their financial burdens. Unfortunately, not all claims go smoothly. When is it necessary to hire an insurance claim attorney if you find yourself in this situation?
Discover common scenarios leading to bad faith insurance lawsuits and the ways that a lawyer may be able to help you. The team at McLaurin Law, PLLC, explains what you need to know.
Signs It's Time To Hire an Insurance Claim Attorney
Suppose your house sustains serious damage during a storm. You expect your homeowners' insurance to cover the cost of repairs but are instead met with frustration throughout the claims process. When is it necessary to hire an insurance claim attorney?
Review your policyholder rights and consider seeking legal help in the following situations:
- You face a denied insurance claim without any clear explanation for the denial.
- Your insurer delays your claim for weeks or months after you initially file.
- An insurance claim dispute arises that you're confused about.
- You receive a settlement offer that is substantially lower than your claim's worth.
It's possible for insurers to blame you for the damage by insisting that it was pre-existing, refusing to cover repair costs. Instead of accepting this outcome, you could hire legal representation and explore your options for challenging the company's decision.
Insurance companies are required to act in good faith through reasonable and honest actions. If your home insurance provider stalls the claim by refusing to investigate or denies it without any explanation, you may have grounds to take legal action.
How an Insurance Lawyer May Be Able To Help
The claims process may bring some unexpected issues that you don't know how to navigate. That's when it is necessary to hire an insurance claim attorney for guidance and support. Legal counsel could review your claim's details, including your policy coverage and the response from your provider.
Lawyers often help claimants gather additional information and evidence. This may ultimately settle disputes or reverse a denied claim, depending on the case's details.
One of the key ways that lawyers assist claimants is through settlement negotiations. After reviewing the evidence, an attorney can evaluate your claim’s worth and advocate for a fair resolution. They can negotiate on your behalf and potentially maximize your payout, though outcomes vary for every case.
What To Look For When Researching Insurance Lawyers
You shouldn't delay seeking legal help when the claims process hits a snag. However, you don't want to face extra hassles in your search for an attorney. Prioritize the following while you conduct research:
- Experience handling similar cases
- Positive reviews and testimonials
- Clear communication
Focusing on this criterion should help you narrow down your options and find a firm to represent you. Schedule a consultation before moving forward with your case, as this can give you insight into a lawyer's strategy and communication style.
Consult an Experienced Insurance Lawyer About Your Case
While you no longer have to wonder, "When is it necessary to hire an insurance claim attorney?" your next thought may be, "How do I find a reliable lawyer to represent me?" Turn to McLaurin Law, PLLC, if you're dealing with bad faith insurance tactics. Founding attorney Jason McLaurin has almost two decades of legal experience and handles a wide range of insurance cases.
Schedule a consultation today to review your options and receive a personalized strategy. Submit our online request form or call our Houston-based firm at (713) 322-5523.
