The warning signs that your home insurance claim was underpaid include missed damages, relatively low estimates, and an insurance company denying a portion of your claim.
If your insurer offers a settlement that’s too low, you’re not obligated to accept it. You have the right to dispute the offer and request that you be paid the full settlement.
Proof of ownership is documentation that proves you owned an item that you claimed was damaged or stolen. Common documentation that can prove ownership includes bank statements, receipts, photos, and order confirmations.
Proof of loss is documentation that your insurer may require you to fill out that highlights what was damaged or stolen, and how much money you’re claiming the property was worth.
If you cannot obtain homeowners insurance privately, there are alternatives. The state of Louisiana provides the Louisiana Citizens Property Insurance Corporation as a last resort for homeowners.
If the damage to your home is outside the line of sight insurance laws covered by your homeowner’s policy, the insurer is unlikely to pay to replace or repair the damages.
If an insurance adjuster denies a claim based on the line of sight rule, contact a seasoned attorney at Insurance Claim HQ in Louisiana to review the denial and explore other legal avenues.
Bad faith tactics are illegal. Through these laws, some states require guilty policy providers to pay basic damages to victims of unjustly denied claims.
Yes. A trained lawyer is necessary because they have the knowledge required to determine if you have a valid claim and the skills needed to negotiate with your policy provider successfully.
An insurer can be obligated to defend depending on the third party’s complaint and whether the action falls within the scope of the coverage under your homeowners insurance, even if the claim is fraudulent, false, or groundless.