Answers to Frequently Asked Questions About The Insurance Claim Process
Do you have questions about commercial and business insurance litigation, business claims law, bad faith insurance litigation, industrial insurance claims litigation, condominium insurance claims, church claims, apartment claims, first party bad faith insurance claims, and marine insurance claims? To discuss your case, contact The Voss Law Firm, P.C. toll free at 888-614-7730.
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My neighbor’s home was burglarized, and I want to know if there are things I can do to prevent a home burglary and an insurance claim?
As Texas insurance claim attorneys, we applaud you for wanting to take action and prevent unnecessary damage to your home. While a burglary can occur any time – day or night – we do have some tips for you to help minimize your chances of your home being burglarized.
Some tips include:
- Walk around the outside of your home to inspect it to determine how a burglar could get in.
- Trim hedges and trees that are too close to the windows.
- Do not put your valuables out in the open so that they are easily seen from the window.
- Do not hide a spare key under the doormat or in an obvious spot such as underneath a planter.
- Consider leaving your porch light or other outdoor lighting on at night, as burglars are more likely to break into a home that is dark so they won’t be noticed.
- Think about installing a burglar alarm
Some burglars strike by ringing your door bell – hoping you will open the door and they will gain access to your home. It is wise to only open your door to people you know. Additionally, make sure you always lock your doors upon entry and double check them and the windows when you go to bed at night.
By doing the above mentioned things, you may reduce your chances of a burglary and a potential Texas theft damage claim. Although you may have done everything you could have to prevent your home from being burglarized, it could still occur. If you need help dealing with the insurance company, call the Voss Law Firm at 888-614-7730 and talk with a skilled Texas insurance litigation lawyer in a free consultation today.
My store suffered water and smoke damage because it is located next to a store that caught on fire. I don’t have business interruption insurance. What should I do?
As Texas insurance claim lawyers, we understand how this time can be upsetting – not knowing how you will get compensated, how you will continue your business or make money while your store is damaged or getting repaired.
When a fire from an adjacent store causes your company fire damage, you have a right to seek compensation for your damages and losses. Although business interruption insurance is great to have, if the fire was caused by someone else or another company, you may be able to get enough compensation through their insurance company to cover your losses.
However, Texas fire damage claims can be complex, overwhelming and time consuming. For this reason alone, it is wise to entrust your claim to a skilled insurance litigation lawyer. Attorneys in this field know how to negotiate with the insurance company, know what your claim may be worth and know how to go about getting you what you deserve.
To discuss your case in more detail and answer your questions, we will provide you with a free, no-obligation consultation. Simply call the Voss Law Firm today at 888-614-7730 and find out more about commercial fire insurance claims.
Upon request, you can also receive a complimentary copy of our book Disputes With Your Insurance Company – What All Consumers Need to Know. Don’t delay; call today.
The insurance company doesn’t seem like they are giving me a fair offer for the damage that a fallen tree caused to my house in the tornado. What can I do?
As a tornado property damage attorney in Texas, I see many home owners getting taken advantage of by their insurance companies because they don’t know how much their claim is worth, what their insurance policy states and that they can reject the insurance company’s offer and negotiate with them.
Sadly, the time when homeowners need their insurance company to come through for them is after a serious storm or tornado causes property damage in Texas. Unfortunately, this is the time when insurance companies are looking out for their bottom line. Even when a tree falls on a home, an insurance company should cover the damages.
Damages could include broken windows, missing shingles, other roof damage and more. If you do not feel like the offer the insurance company presented you is the amount your claim is worth or that the insurance company is treating you fairly, then you need to talk with a skilled insurance claim attorney to find out what your claim is worth and how to go about getting what you deserve.
Find out more from a tornado property damage attorney in Texas at the Voss Law Firm by calling 888-614-7730. We will provide you with a free consultation by calling today. Also, be sure to request a complimentary copy of our book Disputes With Your Insurance Company – What All Consumers Need to Know.
The insurance company denied my homeowner’s insurance claim. What can I do?
Just because your homeowner’s insurance company denied your property damage claim doesn’t mean you can’t get them to pay it. Insurance companies make their money by denying claims and hoping that policyholders won’t question why their claim was denied. However, you can contest it.
First, you can ask your insurer for a written explanation as to why the company denied your insurance claim. If they express to you that they denied your claim due to a filing error, then you need to talk with an insurance litigation lawyer. An insurance company shouldn’t be allowed to deny a legitimate insurance claim because of a filing error.
Additionally, you may want to read your insurance policy closely to determine if the insurance company is participating in bad faith and illegal practices. If you believe you have a legitimate claim, you can call the insurance company and continue to ask for supervisors, requesting that your claim be looked at again. If you choose to do this, ask for their response in writing within 15 days. If you do not receive a response in that timeframe, then send a follow-up letter and call them again.
If you are still not getting anywhere with the insurance company, it is in your best interest to seek legal help in pursuing this matter further. Your denied insurance claim may be bad faith practices by your insurer.
Contact an experienced Texas insurance claim attorney for legal help today at the Voss Law Firm at 888-614-7730 and receive a free consultation.
What do I need to know about hiring a contractor after a tornado damaged my home?
After a natural disaster such as a tornado, it is best to call your insurance company to let them know your home is damaged. They will generally send out someone or make an appointment for an adjuster to come out to your property to determine the cost of the repairs.
If there is a hole in your roof, place a tarp over it. If windows were blown out, board them up. You will want to prevent future damage to your home, but you will not want to make repairs or hire a contractor to start repairing your home until the insurance company looks at your damage.
After your insurance company has seen the damage and you have taken ample photographs and video of the damage, then you can have contractors come out and give you an estimate. Be careful of fly-by-night contractors. There are many roofers and contractors out there looking to take your money and go – without completing the necessary repairs.
Most insurance companies will not recommend a contractor, so it is up to you to find a good one. Things to do include:
- Check the Better Business Bureau.
- Look online and Google the contractor’s name and company name.
- Ask friends, family, and co-workers for references.
- Hire someone with an established presence in the area.
How do I know if I’m covered for tornado damage?
Tornado coverage can be complex, as most people’s insurance policies cover damage from an Act of God; however, if you live in an area that is susceptible to tornadoes, then your homeowner’s insurance policy may exclude coverage for tornado damage.
As experienced hail damage insurance claim attorneys, our law firm recommends that you read your insurance policy and if you still aren't sure if you are covered for tornado damage then call your insurance agent. You may have to purchase a separate rider to cover damage that occurs from wind and hail due to a tornado.
In addition to checking if you are covered for tornado damage, you should also look at how much you are covered for. Many people don't have adequate coverage anymore, as they bought their homes a long time ago and purchased enough insurance at that time. However, the costs of labor and materials have gone up. So, if your home was destroyed in a tornado and you needed to rebuild it, you may not have enough coverage anymore.
Most homes are underinsured and only have enough coverage to rebuild about 80 percent of the home. Because of this, we urge you to review your policy to determine your coverage today. Also, if you are a renter, you are not off the hook. Renters need to make sure they are covered and have enough coverage for their personal belongings in the event of a tornado.
If you still aren't sure how much coverage you have or if you are covered for tornado damage, please feel free to call a knowledgeable hail damage insurance claim attorney at the Voss Law Firm to help you determine your coverage at 888-614-7730 in a free consultation today.
Does it really matter which attorney I hire for my insurance claim issue?
Yes, it absolutely does matter which attorney you choose to represent you in your insurance claim matter. Deciding on an attorney is very important, because having the right or wrong attorney on your side can make or break your case.
There are so many attorneys to choose from, so how do you know which law firm would be right for your case? While we understand it can be overwhelming to pick an attorney for your case, our Texas insurance litigation lawyers would like to give you the following pointers:
First, it is important that you meet with a few different attorneys to find the right one that you trust to handle your case.
Second, make sure the attorney offers you a free initial consultation.
Third, it is critical that you pick an attorney who has experience in the field regarding your legal matter. For example, if you were in a car accident, hire a personal injury lawyer. However, if you have a residential insurance claim matter, you need to hire an insurance litigation lawyer who specializes in this field. They are better equipped to examine your insurance policy and negotiate with insurers to get you the best resolution.
For more information about your insurance claim issue, please call the Voss Law Firm and schedule a free consultation with one of our skilled Texas insurance claim attorneys. You can reach our office at 888-614-7730 to discuss more about your case with us.
You can also fill out the online form to receive a complimentary copy of our book Disputes with Your Insurance Company – What All Consumers Need to Know.
We had a fire destroy our house and the insurance company is claiming arson, but it wasnt. Can I fight back? What are my options?
When dealing with a fire, insurance companies will look for any reason to deny your fire loss claim. For the insurance company to deny your residential fire claim, they have to have facts. They cannot simply deny your claim due to their speculation or suspicion that the fire was started by arson.
We have seen many insurance companies, acting in bad faith, attempt to deny a homeowner’s insurance claim because the fire department was unable to locate the source of the fire. If the insurance company has accused you of arson or insurance fraud, it is in your best interest to hire a skilled insurance claim attorney to handle your fire insurance claim.
You can fight back, but you will need to have another fire investigator inspect your home in order to receive another opinion. If the second report contradicts the initial fire report, then you could have the fire investigator read his testimony on the stand, if needed.
If your insurance company has denied your Texas fire insurance claim, you need to contact an attorney who handles fire loss claim denials at the Voss Law Firm. Our attorneys will fight to get you the full amount of insurance benefits that you are entitled to.
Please call one of our knowledgeable and experienced Texas residential insurance litigation lawyers to schedule a free, no-obligation case consultation at 888-614-7730 today. You can also get a FREE copy of insurance litigation lawyer Bill Voss’s book: Disputes With Your Insurance Company – What All Consumers Need to Know.
Is it possible for a new home to develop mold?
It is rare, but mold can occur in a newly built home if the home was not designed properly or if poor materials were used in the construction of the home. For example, if windows were not installed properly and allowed rainwater to seep through into your home, mold can occur. When moldy materials are used in the construction of your home, dry wall and insulation were installed while the frame was wet, or standing water in wall cavities is present after construction is completed, toxic mold can thrive in those conditions.
Mold can occur anywhere there are drainage problems. If a product defect, bad materials, or faulty workmanship or design was the cause of your mold damage, you may be entitled to financial compensation for your damages and losses. There could be another party responsible for your mold damage, and a Texas insurance claim attorney may be able to help you understand your insurance rights and file your Texas mold insurance claim correctly.
Contact the Voss Law Firm today at 888-614-7730 for a free legal consultation. You can also order a FREE copy of insurance litigation lawyer Bill Voss's book: Disputes With Your Insurance Company - What All Consumers Need to Know.
Can I hold the contractor responsible for my home's mold damage?
Depending upon the findings of the inspection reports, you may be able to hold the contractor, builder, repairman, architect, engineer, window company, and others responsible for the mold damage to your home.
When a home is constructed, if moldy materials are used or if the builder failed to install proper ventilation, you may have a mold claim against the contractor or builder involved. Sometimes, a claim can also be found against the construction supplier for the moldy materials, such as moldy drywall, siding, and more.
If the mold was a result of poor engineering or architecture, such as failure to install proper ventilation in the home, then you may have a claim against the architect or engineer that designed your home.
Call a skilled Texas insurance claim attorney about your Texas mold claims at the Voss Law Firm at 888-614-7730. We will provide you with a free legal consultation and explain your rights to recovery.
The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.