Like any business, an insurance company is geared towards maximizing profits for itself and going to any lengths to do so. When it comes to property insurance, it is ubiquitous for an insurance company to delay the insurance claim or convince the homeowner or contractor that they deserve a lower payout than that they are entitled to receiving.
The problem, however, does not begin when a property owner sustains damage to their property. The insurance company’s tactics begin right from the drafting of the insurance policy. Insurance policy contracts are often not composed to be easy to read and frankly are highly difficult for someone without experience reading such policies or legal background to understand.
It is essential to understand the ins and outs of your insurance policy to avoid misunderstanding and being taken advantage of by the insurance company when a property damage claim is made.
Our experience tells us that when a homeowner suffers damage to their property before reaching out to their insurance company or agent to file a claim, they should first have their insurance policy reviewed by an experienced property damage attorney. This will help them understand their insurance coverage and help protect their rights and interests from the start, in the event of a coverage dispute.
Don’t Let Your Insurance Company Dictate the Claim Process or Have the Last Word
Insurance companies may advertise themselves as ethical businesses that have your best interests at heart. However, this is not the case. Upon contacting the insurance company and filing a claim, the insurance company will send their damage assessment adjuster to investigate the damage to your property and evaluate your claim. Since the adjuster represents the insurance company, you are already at a disadvantage, and your claim may be severely underpaid or even denied completely.
However, prior to reaching out to your insurance company or agent, having an experienced property damage attorney review all the clauses of your insurance policy in great detail will help quickly determine your rights under your policy.
Additionally, having your attorney file your property damage claim on your behalf and be the first point of contact with the insurance company will most likely expedite your claim and will help ensure that you receive the money you are entitled to under your insurance policy. The earlier you have the attorney involved in your claim, the greater likelihood of your claim getting the attention it deserves by the insurance company. Don’t let the insurance company have the final say on your claim.
Your Attorney Will Not Take Any Upfront Fees
When hearing the word “attorney,” most people think I can’t afford one or I don’t have enough up-front money even to retain the attorney. The good news is there should be no hesitancy to run and hire an attorney when you experience property damage. If you have experienced property damage in the form of water damage, roof leaks, wind or hurricane damage, mold damage, fire or smoke damage the a attorney is the best person to help you understand your legal obligations and rights.
The attorneys at CLO who specialize in property damage do not charge or take any upfront fees or costs. The attorney gets paid when the homeowner or policyholder gets paid by the insurance company. Until you get paid, they don’t get paid.
Final Words
Consumer Law Office, P.A. (CLO) ONLY represents policyholders – not insurance companies – in coverage disputes. Property damage insurance claims are all we do. Our job is to advocate for homeowners, contractors, and business policyholders fiercely to ensure that YOU receive the compensation YOU deserve under the insurance policy.
At CLO we know that property damage can impact your quality of life, peace of mind & your financials, so we understand how important it is to favorably & quickly resolve your insurance disputes.
Our firm’s deep understanding of insurance law and a proactive approach to litigation means that we are more than capable of recovering the payout you deserve from the insurance company. And until you get paid, we don’t get paid. It is that simple.
So if you sustained damage to your property, immediately visit our Consumer Law Office or contact Mordechai Breier Esq., the founder of CLO, at 305-940-0924 for a free consultation.
