Your insurance policy is a contract. It sets out your premiums and the risks and scale of payment for those risks. If your insurer is straying too far from the policy terms, the company is probably not acting with good faith in performing the company’s contractual duty of good faith.
If the insurance company tries to accuse, pressure, or threaten you to sign an agreement or else you’ll face a claim denial, it’s a potential bad faith tactic that may result in less compensation than you’re owed. Don’t accept blame. Let an attorney review your situation.
If the insurance company is misrepresenting the facts of your policy, it could be a sign of bad faith. However, if they make mistaken references to old laws or the wrong lines of your policy, you may need an attorney’s help to communicate the facts to your insurer.
Your homeowner’s policy might not cover a slow leak. If the damage results from a lack of maintenance, such as a poorly maintained roof or rusted pipe, you may have to pay out of pocket rather than depend on a water leak insurance claim.
You may have a broken pipe if your water bill increases without explanation. You may also have damp carpets and walls, notice unpleasant smells, hear water moving, or have soft spots in your yard.
Your homeowner’s insurance policy will probably cover water damage from an appliance that suddenly fails, but it won’t pay to repair or replace the broken appliance itself. It also won’t cover damage caused by a lack of maintenance or normal wear and tear.
Homeowners insurance claim services from your insurance company will assist you in navigating the claims process. However, their job is to protect the interests of the insurance company. Your interests are stipulated in the policy. When those interests diverge, or disputes occur, you should hire an attorney.
In cases where disputes arise, the insurance company may use its attorneys to defend against the claim. At a minimum, you can expect a call and visit from a professional insurance adjuster, who will independently investigate the damage and make assessments.
Aside from weather damage, solar panels can be damaged by dirt, leaves, twigs, and other debris. These can scratch or break the glass panels and decrease the amount of energy they produce.
Imperfections in solar cells can lead to hot spots, which can cause burn marks or fires. In addition, microcracks in thin solar cells can lead to poor energy production and make them more vulnerable to weather damage.