It is no longer a secret that insurance companies frequently look for ways to delay or deny insurance claims filed by policyholders. In the face of tragedy, your insurance company should give you all the support and compensation you need, and not look for every excuse to deny your claims. And while many insurers usually settle simple, everyday claims without problems… It may be wise of you to seek additional help with your insurance claim when your insurer keeps delaying the claim process intentionally, or when you and your insurer have a lot at stake in the event of a great loss. For example, house damage after a fire or flood, car accident, or property damage resulting from a hurricane or a tornado.
If you feel your claim has been unfairly delayed or denied, we encourage you to contact our Texas insurance lawyers with the Voss Law Firm today at 1-888-614-7730 for a free consultation.
Below are 3 scenarios where you should seek additional help with your insurance claim.
1. Disagreement With The Adjuster
As a policyholder, understanding your insurance coverage is crucial to getting the full benefits of your claim. This is why it is important to read your policy's declaration page to know what's covered and ask questions where necessary before signing any contract. When a tragedy happens, many insurance companies have their adjusters calculate the losses before approving a claim. They inspect the home, property, and conduct interviews to determine the amount of money they are to pay.
Know that insurance companies do not care about you. They only care about improving their bottom line by seeking ways to underpay or deny your claims. So if you don't agree with the adjuster's valuation of your loss, you should seek additional help from our Texas attorney at Voss Law Firm. We will fight for you until you recover every penny of your claim.
2. Claims Where Fault Is Hard To Determine
It is a no-brainer to have the services of an experienced attorney when the fault of an accident is up for dispute. In a case involving personal injury or property damage, there are numerous legal requirements for proving fault. An experienced attorney can help you navigate these rules and make sure you get all the compensation you deserve.
3. Large And Complex Insurance Claims
If you have a complex case involving a huge claim amount, it may be wise to have an experienced attorney review your insurance policy before filing a claim with your insurance company. They'll help you to interpret any legal jargon or confusing terminologies that could affect the validity of your claim.
However, if your case is a simple one or if what your insurance company offered you is close to what you requested, it may not be wise to hire an attorney for a larger settlement. Doing so will only end up with you losing a big part of your claim.
Benefits Of Getting The Additional Help Of An Attorney To Sort Out Your Insurance Claim
• It saves time because you don't have to speak with the insurance company.
• An attorney can calculate your claim based on your losses (both financial and non-financial). Sometimes, they may obtain the help of an estimator to prevent any form of mistake that might occur.
• An attorney makes it impossible for your insurer to trick you into saying things that will compromise your claim.
• Your attorney can prevent the insurance company from taking advantage of you or forcing you into making any decisions.
• The attorney will review the details of your insurance policy before filing any claim.
• The attorney can work with an insurance agent to provide a report confirming that the policy covered the damage claimed
• An attorney knows the legal requirements for verifying faults.
• An attorney will notify you of all relevant insurance laws.
Can An Attorney Still Help After Your Insurance Claim Is Denied?
Insurance companies find it easy to deny claims because many policyholders are not willing to go to court because of the cost, time, and energy involved.
When insurance companies deny a claim, it is very difficult for them to change their stance until new evidence is shown. This is why it is important to get an attorney as soon as possible when the case is a complex one with lots of money at stake. Doing so will boost your chance of having your claim approved on time.
However, if you already had a claim denied, an attorney can help.
An experienced attorney knows that many insurance companies give unsound reasons to deny a claim just to improve their bottom line. So they're able to see through the claims and look for different ways of getting all the compensation you deserve.
It takes more than just completing some paperwork or sending an attorney's letter to the insurance company to appeal a denial. The procedure frequently involves the exchange of information- known as discovery- legal filing deadlines, settlement negotiations, and, probably, litigation.
Does Hiring An Attorney Here In Texas Increase Your Chances of Success?
According to research, two major reasons why insurance companies deny claims or give a lowball offer is due to lack of evidence and lack of an attorney.
If they find your claim valid, they quickly come up with dirty tricks to reduce the value of your claim. They try to play down the cost of repairs, refuse to cover some repairs, and turn a blind eye to potential policy benefits. They also know that once you accept their offer, you'll never be able to get the full compensation you deserve.
Additionally, some insurance companies will likely deny your claim if they know it's going to take you lots of time and effort to prove your claim. They do so because many policyholders don't bother to fight for their rights once their claim is denied. This is what your insurers want.
That's why the importance of having an attorney by your side when filing a claim can't be overemphasized.
With the help of a Texas attorney, you'll be able to combat these terrible practices by insurance companies so that you get every benefit you deserve when you file a claim.
Contact Our Team Of Insurance Claim Attorneys Today
In the event of great loss, it can be traumatic when insurance companies play dirty tricks on you to deny your claim even after doing everything right. This is why it is best to hire an experienced attorney ahead of time to deal with your insurer and recover your loss. At Voss Law Firm, our Texas insurance claim attorneys take away every burden from you and tackle your insurance company until you get every benefit you deserve. If you need help, or if you have questions about an insurance claim that has been denied, delayed, or underpaid, you can learn more today by reaching out to us at 1-888-614-7730.