Do You Need a Lawyer For Your Home Insurance Claim?

By Ricky K. Patel Esq. 

For most homeowners, their home is their most valuable investment and, in most cases, the most expensive asset they will ever purchase or own. In order to protect their investment, homeowners usually purchase property insurance coverage which can fluctuate in costs depending on the type and scope of coverage purchased. If Your home or business sustained damage due to a major loss from a hurricane, storm, fire, flashflood, sinkhole, or other covered loss, you’re probably a bit confused about the ins and outs of the insurance claim process and you may not be sure what your rights are when dealing with your home insurance company. After a loss, many homeowners try to handle their insurance claim on their own. That’s perfectly acceptable but it’s important for you to understand that property insurance companies are in the business of making money, not giving it away. With that said, there is a clear conflict of interest between your home insurance company’s financial interest and your financial interests as a homeowner during the insurance claims process. Unfortunately, most homeowners figure this out after their property sustains damage and they come to find out that their insurer is unwilling to compensate them fully for the damage to their home.

If you decide to file your insurance claim on your own, be sure to always be polite and courteous. If your insurer is eager to resolve your claim, then you should continue communicating directly with your insurance company. However, in many instances, homeowners and insurers fail to find common ground as to the cause of the property damage at issue and whether or not the policy provides coverage for said damage. Hiring a property insurance attorney to present your claim to your insurer is one of the best ways to combat unfair settlement tactics and reduce the likelihood that you will receive an undervalued settlement offer from your property insurance company. A property insurance attorney can protect your legal rights and ensure that you obtain a fair settlement that will restore your property back to its pre-loss condition. It sounds simple but in reality, an insurance attorney must recognize and anticipate legal issues before they even arise and intervene on your behalf to protect your rights. If your claim is being denied, delayed or underpaid, hiring a homeowner’s insurance attorney that knows property insurance law in your state can make a big difference in the outcome of your insurance claim.

The attorneys at Farrell, Patel, Jomarron & Lopezrecognize your rights as an insured homeowner, understand how the insurance claims process works, and know how to submit a strong homeowners insurance claim that will prevent your claim from being denied, delayed, or underpaid. Your home insurer will hire a team of attorneys who will work hard to make sure you don’t receive the compensation you are entitled to. You should have a team of lawyers working for you too! FPJL will aggressively represent you to ensure you get the money you are owed without any further delay by the insurance company. Our team of attorneys have decades of experience providing affordable representation to homeowners facing a wide range of denied, delayed or underpaid insurance claim issues.

Contact our law firm today at (305) 300-3000 for a free consultation!