Property owners rely on their insurance company to step in when something goes wrong. Homeowners’ insurance can provide a safety net when people need to restore their flooded homes or repair their charred walls after a fire.
You might not think you’ll need legal representation when you file a claim. However, lawyers for homeowners’ insurance can be a great resource if the provider denies your claim. Learn more about how an insurance claim lawyer advocates for homeowners and the potential benefits of hiring one.
Prevent Claim Denials With Oversight From a Homeowners’ Insurance Attorney
People deal with denied insurance claims more than you think. Insurers may refuse to pay because of missing documentation, policy coverage disputes, or bad faith tactics. A common mistake homeowners make is seeking legal help after they have been denied coverage.
You can consult an attorney before you file a claim, which may offer peace of mind. Lawyers could review the fine print of your policy to determine whether the event qualifies for coverage. They may help you communicate with the insurer and potentially calculate a fair damage assessment.
By speaking with a legal professional beforehand, you may be able to reduce the risk of a denied claim.
What Happens If the Insurance Company Denies Your Claim?
Are you unable to secure funding to restore your home after it sustains property damage? It’s wise to consult lawyers for homeowners’ insurance guidance. Attorneys could step in and advocate for you amid property damage disputes and other setbacks with your claim.
Here’s how legal counsel could benefit you:
- They gather and review evidence: Insurers may state that the property damage was pre-existing, but you have evidence proving it wasn’t. An attorney will review all pieces of evidence supporting your claim.
- They submit additional information: Once your lawyer acquires new evidence or information, they could submit it to the insurance company for review.
- They facilitate negotiations: The insurance company could try to low-ball your settlement. Lawyers often negotiate for a reasonable payout based on the circumstances.
- They handle the majority of the communication: You shouldn’t have to play phone tag or deal with other hassles of communicating with your insurer. Let a legal professional handle this for you.
Recognize Bad Faith Insurance Tactics and Hold Companies Accountable
Lawyers for homeowners’ insurance cases don’t just assist with denied claims. Sometimes, an insurer will approve a claim but stall the payout. Property owners rely on these funds to repair damage caused by fire, storms, and other disasters.
If insurers refuse to pay them in a timely manner, claimants can seek legal representation. Attorneys who handle these types of cases are familiar with the bad faith tactics that some companies employ. They can advocate for a prompt payout for their clients and potentially argue for additional compensation, such as the claimant’s legal fees.
Consider Consulting an Attorney Before You File a Claim
If your house sustains damage that your homeowners’ insurance policy covers, navigate the claims process with the help of a contract lawyer. They can review your information to ensure everything’s accurate and argue for a fair payout. Should the claim be denied, you already have a trusted resource to advocate on your behalf.
Combat Bad Faith Insurance Companies With McLaurin Law, PLLC
It can’t hurt to speak with lawyers for homeowners’ insurance coverage disputes and denied claims. If you find yourself in this position, reach out to McLaurin Law, PLLC. Our Houston-based firm assists with both residential and commercial property insurance cases.
Let one of our experienced attorneys review the details of your case. To schedule a consultation, contact us online or call (713) 322-5523.
