Losing your property in a fire can be a horrifying experience. Many times, it’s not just your house that gets destroyed, but your irreplaceable family items and personal possessions. Fire losses are typically a combination of insured claims that are underpaid and claims against wrongdoers such as a utility companies or tree/vegetation contractors.
Sometimes your insurance company’s response to your fire loss can feel even more damaging than the fire itself. You pay your insurance premiums in order to get service that you need, when you need it. You may need an attorney to help you value your losses, document the problem thoroughly and deal with the insurance company.
The Three Ds: Delay, Denial And Disappearance
An insurance policy is a contract, usually a very complicated contract that you pay for to enjoy coverage, but very few people ever read the details of their coverage. They may be unaware of (or have a vague sense of) what kind of coverage they have, what exclusions apply and what exceptions there are to the exclusions.
You may be experiencing one or more of three common problems insureds have with their insurance companies:
- Delay: Your carrier puts you off and does not pay your claim in a timely manner, making excuses or otherwise causing difficulty for you.
- Denial: Your insurer refuses to honor your claim, saying your loss is not covered.
- Disappearance: Your insurance company, adjuster or insurance agent cannot be found when you need to reach him or her. Often times, the people who are supposed to be helping you don’t return your calls, refuse to come out to the property, refuse to explain their decision or keep re-assigning adjusters so you never get the same person discussing your claim twice.
Did Your Insurance Agent Fail To Properly Protect You?
In some of the disaster cases we see, the problem is that an insurance agent failed to provide proper protection to his or her client. Sometimes the coverage was never set up by the agent; sometimes errors and omissions in the policy created an unwanted gap.
Whatever your situation is regarding your agent or your coverage, The Wenholz Law Firm PC, based in Austin, Texas, and Boulder, Colorado, can help you get to the bottom of it. We can make sure you have a strategy to address all aspects of your insurance problem.
Let Us Answer Your Questions About Fire Damage Claims | Free Consultation
We can answer your questions about your fire loss claim. One of our lawyers can help you understand what legal rights you have. We can give you the advice you need. Contact The Wenholz Law Firm PC for a free consultation about your insurance matter.