When Do You Need a Property Insurance Lawyer?
When you experience property damage, you expect your insurance company to come through for you.
After all, you pay premiums each month so that you will have coverage when an emergency occurs.
Your home is likely the most valuable thing you own, and you expect your insurance company to pay for its repair.
However, not all insurance companies honor their end of the bargain.
Your financial interests conflict with those of your insurance company when you want fair payment while they want to maximize profits.
Some insurance companies may unfairly deny your property damage claim.
If you have experienced an unfairly denied claim, you need a lawyer for damage to property. An attorney can negotiate with the insurance company to get you the money you’re owed.
If you want to speak with an experienced New Orleans attorney, call The BFH Law Group property damage lawyers for a free consultation.
Types of Property Damage Claims That Will Be Denied
Sometimes an insurance company will deny your claim based on a technical error.
They might say you didn’t file your claim on time or that you didn’t pay premiums.
Other times, an insurance company may deny payment based on the nature of your claim.
Your insurance policy likely contains fine print, excluding certain claims.
For instance, an insurance policy often excludes these claims:
- Property damage from illegal activity,
- Flood damage,
- Mold damage caused by flooding,
- Termite or rodent damage, and
- Earthquake or other earth movement damage.
If you’re not sure whether your property damage is covered under your insurance policy, our experienced insurance attorneys can help you figure it out.
How to Resolve a Property Damage Claim in New Orleans
When your home is damaged, you need it fixed as quickly as possible.
After all, a home provides shelter for you and your family, but it also holds priceless treasures like family heirlooms and photos.
To get your property damage claim resolved quickly, follow these steps:
- File a claim with your insurance company, informing them of the damage to your property;
- Take photos of the damage to your home, but don’t throw away any evidence of damage;
- Meet with insurance adjusters and allow them to inspect your home;
- Negotiate with insurance adjusters on your own if you feel that they are honest;
- If your insurer is treating you unfairly, consult an insurance attorney; and
- Let your attorney take over insurance claim negotiations.
While some small claims may be easy for you to negotiate on your own, bigger claims may benefit from the help of a property insurance attorney. Insurance companies sometimes think they can intimidate a policyholder, but those tactics don’t usually work with an experienced insurance attorney.
Thus, attorneys can often get a higher settlement when they take over insurance claim negotiations.
Contact a New Orleans Property Damage Attorney to Resolve Your Insurance Claim
If you have property damage that isn’t receiving fair reimbursement, you need an experienced property damage lawyer.
At The BFH Law Group, our property insurance attorneys have helped hundreds of clients fight big insurance companies.
We aren’t intimidated by insurance companies.
Our property insurance lawyers know what unfair business tactics insurance companies use, and this insight allows us to pursue significant settlements for our clients.
We settle most of our cases outside of court, but we’re prepared to go to trial if needed to get you fair compensation.
We can help with these unfair insurance company actions:
- Denied claims,
- Unfairly valued claims,
- Delayed payments, and
- Retaliatory policy cancellation.
Contact our property damage lawyers for a free consultation. Share your unfair claim denial experience, and we’ll let you know if we can help. Get the fair insurance policy compensation you need by contacting us today.