If you have homeowners’ insurance and experience damage to your home or property, then you can file a claim with your policy provider to recover compensation for your losses and damages. However, many people may not realize that there is a complex, involved process required to get the money you actually deserve out of a claim. Insurance companies make a profit by paying out as little as possible on their claims in order to maximize profits on the premiums they collect, and in our experience your home damage claim will be handled with this goal in mind.
Contact BKBB For a Free Consultation About Your Home Insurance Claim Today
We offer a free consultation for homeowners who need to file a damage claim so we can discuss the situation and explain how working with an attorney can help. Filing a claim may seem like a fairly straightforward process, but few realize the amount of work that goes into getting a fair and comprehensive payment for the damages that are covered under the policy. When you have an experienced attorney managing your claim, you can be confident that they are taking all necessary steps to recover the money you need to repair and replace the damages in your home.
Frequently Asked Questions About Homeowners’ Insurance
The following are just a few of the many questions we are happy to answer during our initial consultation (and, of course, throughout the work we do together as we handle your claim). Whether or not you see your own questions listed below, remember that the answer to your questions depends on many unique details of your circumstances that we will need to explore before providing you with an answer.
What kind of damage does homeowners insurance cover?
Different policies have different coverages but our attorneys have recovered money for our clients, the polcyholders, for damages resulting from water leaks, hurricane damage to roofs and interior of homes, fire, cracked tiles, buckled floors, underground pipe leaks, leaks to bathroom and kitchen plumbing such as sinks and toilets, leaks from air conditioning units to just name a few. We also assist homeowners from damages resulting from their home being broken into and theft of their belongings.
If your home has been broken into, damaged, or if there is an accident on your property, your insurance policy should cover your losses in these instances.
However, we will need to look at your specific policy in order to determine exactly what is and is not covered by your insurance policy to be sure that you have financial protection for incidents that you are concerned about. There is nothing worse than filing a claim for damage to your home or property only to discover that you needed an add-on to your policy.
How do property damage insurance claims work?
After you have experienced damage or losses to your home or commercial property that is covered under your policy, we will need to contact your provider in order to initiate a claim. Once the claim is initiated, an insurance adjuster will open an investigation that will go through all of the supporting evidence and information to determine what damages you incurred, what is covered under your policy, and ultimately how much money you are entitled to in a settlement. Once the agent makes a settlement offer, you will have the opportunity to start a negotiation to try and close the gap between their calculations and your own. This process can be stressful and contentious, and is best left to an experienced legal professional.