What Do You Call A Lawyer Who Works For Home Insurance Claims?
You can call those kinds of lawyers:
However, many terms fall under homeowner’s insurance claims. Insurance companies will put up a friendly face with a catchy slogan to earn your trust. However, the truth is that insurance companies wouldn’t stay in business if they paid out every claim.
Big insurance companies use a vast network of adjusters and engineers to make sure claims break their way. It’s nothing for the ordinary person or family to take on their own.
If you think your property insurance claim is valid, but your policy won’t pay out, you need an insurance claim attorney. A lot of people will get some money from the insurance company, but they won’t get the entire amount that they are entitled to. A good legal team can fight for your claim against insurance companies looking to weasel out of paying you correctly.
How Are Homeowners Insurance Claims Paid?
The insurance company pays for your claim, which is why this whole business exists as a giant conflict of interest. A policyholder pays a monthly premium to make sure accidents are covered. Then when the accident happens, a policyholder looks to the insurance company to compensate for the accident.
At least that’s how the property insurance claim process is supposed to go. Very rarely is the insurance company going to pay out because they’re not in the business of losing money.
Don’t let an insurance company bully you out of proper compensation. It would be best if you had a property insurance claim lawyer to fight for your policy.
How to Deal With a Property Insurance Claims Adjuster
In our line of work, Scott, Vicknair, Hair & Checki, LLC has found a policyholder needs to contact an attorney right after you file a claim. Too many people wait until the adjuster has come to their house and found something to deny the request.
Keep in mind the adjusters and engineers who come to inspect your house are there for the insurance company. They are not there to prove your side of the story. Adjusters and engineers are there to find a reason for the insurance company not to payout or a reason to pay you way less money.
The earlier you get a lawyer involved in your claim, the better chance you have of getting maximum compensation. Don’t wait to call an insurance claims attorney, or your claim appeal could be made very complicated.
Why Was My Insurance Claim Denied?
As we discussed, there is no incentive for insurance companies to pay out their policies. Insurance companies need to make profits to stay in business, and the revenues these companies make can be absurd.
Allstate raked in $38.52 billion in revenue in 2017. Even a smaller company like Liberty Mutual made $3.9 billion in revenue the same year. Companies don’t get to make that kind of money by paying out every single policy brought forward.
Insurance companies will give several reasons not to pay out your property policy. It comes down to the bottom line — businesses need to make money. A company wouldn’t do their shareholders a disservice by decreasing revenues.
Types of Insurance Claims
At Scott, Vicknair, Hair & Checki, LLC, we handle all types of property insurance claims around Louisiana. Below is a list and summary of every kind of claim we see here in New Orleans and in the rest of the state:
Have you ever had an experience where the insurance company did not act reasonably or honestly? If your property claim is denied and you think the insurance did it in Bad Faith, you need to call an insurance claim denial attorney. Learn more about Bad Faith Insurance Claims here.
If your place of business is damaged or destroyed, the ability to run your business stops. That means lost income and a load of repairs for your building. Business owners can purchase additional coverage to their commercial property policy to make sure their business can return to normal operations. Learn more about Business Interruption Claims here.
Business owners need their brick and mortar operations to keep revenue flowing. When these properties take on catastrophic damage, the repairs can incur massive costs compared to residential property. A commercial property insurance company will not look to pay out the claim in full. Don’t take the first settlement offer from your commercial property insurance company; find out more about your claim here.
Condo property insurance claims can differ from a standard residential claim. With a condo comes a condo association with their insurance policy. Most condo owners don’t know their unit and the actual building are considered two separate properties by insurance. Multiple condo owners and condo associations have trusted us to fight for them. Condominium Property Insurance Claims can be complicated, so find out more about them here.
Disability Insurance Claim
Disability insurance is an umbrella for several types of claims. Disability can fall under “total” or “residual” disability, each with different payment periods and amounts paid. Both come with various tricks insurance companies will use to shorten a payment period or deny coverage outright. Learn more about Disability Insurance Claims here.
Government & Municipality Claim
Even larger bodies, like local governments and municipalities, need insurance. Residential water, sewage, and other government services need buildings to serve as home base. When those buildings are damaged, those services cannot continue for the citizens who depend on them. Government representatives can learn how Scott, Vicknair, Hair & Checki, LLC can represent their property here.
Health Insurance Claim
Health insurance is a vital service to make sure American’s can afford healthcare. Unfortunately, health insurance companies will find ways to deny specific treatments and procedures people need. Your healthcare is a right, not a privilege. Get the treatment you need and find out more about your Health Insurance Claim here.
Hotel Damage Insurance Claim
Owners of hotels or motels will find themselves faced with numerous insurance options. Workers compensation insurance is necessary to protect employees. Food spoilage coverage protects loss for in-house restaurants and bars. Cyber insurance can protect compromised credit card information for customers. If hotel owners have any questions about these types of claims, click here to read more.
Especially in states like Texas, Florida, and Louisiana — hurricane insurance is a must for homeowners and business owners. Property loss because of a hurricane can become complicated in an insurance claim. You’ll need a law firm who’s handled their fair share of hurricane claims. Learn more about how Scott, Vicknair, Hair & Checki, LLC can help you.
Life insurance is something you never think you’ll need until your loved one dies unexpectedly. Families lean on these policies to pay for funeral costs and lost wages, but insurance companies find ways to deny these claims. Don’t let your insurance company short-change you on your life insurance policy. Find out more about Life Insurance Claims here.
Long Term Care Insurance Claims
Long term care is for people who need assisted living conditions either at home or in a facility. Insurance companies offer these policies to help families pay for these long-term services. As it goes with health insurance, these policies won’t always cover specific treatments. Find out more about Long Term Care Insurance Claims and plans here.
from financial ruin in these cases. If your claim of property restoration is denied or underpaid, you should read more about Residential Property Insurance Claims here.
Restaurant Insurance Claim
Restaurant owners rely on their buildings more so than any other business owner. When those properties are damaged, it could be a total halt in business. Whether it’s a fire, broken machinery or another restaurant-specific insurance claim — your business needs protection. For more information on Restaurant Insurance Claims, click here.
Call SVHC Law Firm Today
If your home or business has suffered damages and your insurance company isn’t paying out, you have options.
Don’t let your livelihood go down the tubes with an accident or natural disaster. The insurance company denying your claim is not the final step. The team at Scott, Vicknair, Hair & Checki, LLC will be here for you.
If your home or business has suffered any damage, don’t wait for the claims adjuster to make a decision. Call the property claims team at Scott, Vicknair, Hair & Checki, LLC to make sure we get involved early on in the process.
Give us a ring at (504) 493-7519 or stop by our New Orleans office at 909 Poydras Street, Suite 1100. We give free, confidential consultations for all our clients.