Your homeowners insurance exists to provide you with coverage in specific circumstances that result in damage to your home, damage to personal property, loss of personal property, liability and more. Unfortunately, when you file a claim against your policy, you won’t always receive the benefits you need right away. For financial reasons, insurance companies may wrongfully deny claims or refuse to pay the full amount of benefits you deserve. In such cases, it is best to consult an attorney who has experience dealing with homeowner’s insurance claims.
About the settlement process
After you have experienced a covered event, you begin the settlement process by filing a claim with your insurer. A claims adjuster will typically come to survey the damage, and you will receive a settlement offer. Unfortunately, many homeowners find that this initial settlement offer is not sufficient to cover all of their expenses. Some homeowners are able to negotiate the dispute directly with the insurer and reach a fair compromise. However, others find that the insurer will not listen to reason or make any changes to the settlement offer. If you find yourself in this situation, you may need to consult an attorney to move forward.
How an attorney can help
When an experienced attorney gets involved in the claims process, he or she will begin by reviewing the claim and the current settlement offer. The attorney can then provide you with advice on how to proceed. In some cases, your attorney may simply tell you how to address your insurer next. In other cases, if the attorney believes that the insurance company is not willing to negotiate anymore, he or she may pursue more aggressive action.
Fighting an insurance company on your own after you have already dealt with a traumatic event, such as a fire or theft, can be exhausting. If you have run into trouble with your homeowner’s insurance claim, the lawyers at the Law Office of Erik B. Grindal P.A. are here to help. We understand how challenging these claims can be, and we know how insurance companies operate. Contact our office today to schedule a consultation or to learn more about what we can do to help with your property insurance claim.