suffered an insurance loss?
At the Law Offices of Michelle C. Le, PLLC we fight insurance companies
to get you what you're rightfully owed.
LAW OFFICES OF
MICHELLE C. LE, PLLC
Insurance Litigation and Contract Law
Have you suffered storm damage, a fire, water damage, or other claims on your residential, rental, or commercial property and are worried that your insurance company is not fairly compensating you? We fight to hold insurance companies accountable for their deceitful tactics to avoid paying out claim benefits owed to you. If you feel you’ve been wrongfully denied, delayed, or underpaid on your property damage claim, please contact us at 210-491-2054 for a free consultation.
Do you really need a lawyer on an insurance dispute?
The answer is simply "yes"
Typical Claims Process
Prompt Notice of Loss
After you suffer a loss, contact your insurance provider, and notify it of your loss promptly. You can ask your insurance company for a copy of your policy on the specific requirements for providing notice because certain policies have specific deadlines and requirements when providing notice.
Document Your Loss
Immediately after you provide notice, begin gathering information on the damages such as photographs, estimates, and invoices. It is important to have your own documentation and professionals provide you with an opinion as to the extent of the damages in case you dispute the insurance company’s assessment of your loss.
Mitigate Your Damages
In the event temporary repairs are necessary, Inform your insurance company you must make these repairs prior to making them, take photographs of the damages before the temporary repairs are started, and keep all receipts for work completed. Temporary repair costs may qualify for reimbursement under your insurance policy.
Information Requested
After the claim is submitted, the insurance company should provide written notice that they received the claim and may request additional information. It is important to follow the prior steps to timely provide the information they request.
Property Inspection
Next, your insurance company should send an independent insurance adjuster to your property to inspect the loss. They will ask you questions regarding the loss during this time. Allow the adjuster to do a thorough and full inspection of your loss. Do not limit access to the adjuster. It may also be beneficial to have estimates and photographs of the damages ready to show the adjuster during the inspection.
Coverage Decision
After the inspection and after you have provided requested documentation, your insurance company should provide written notice of its coverage decision. If your claim is denied, the insurance company is required to timely respond and list their reasons for denial, as well as cite the portion of your policy that excludes coverage. If your claim is accepted, the insurer could offer a lower amount than you were expecting.
when to seek legal advice
Record Statement or Examination Under Oath Requests
If your insurance company requests your recorded statement or an Examination Under Oath (EUO), it may benefit you to consult with an attorney prior to participating in it. Call now for a free consultation.
Underpayment, Delay or Denial
If you believe your insurance company underpaid your claim, the adjuster or insurance company has delayed your claim in any way, or if any portion of your claim was denied, call now for a free consultation.
This information is being provided for informational and educational purposes only and should not be construed as legal advice, nor should it be perceived as creating an attorney-client relationship. Should you need legal assistance, please contact our office for a free case review.