There are no longer the days when you had to fill out details on your insurance claim and wait for the losses to be reimbursed to you at the earliest. An insurance cover protects you from unexpected events that cause losses and expenses. With an insurance cover, you remain safe from the high expenses you might have to incur in case of an accident or theft. For a property insurance, you pay a premium for the protection of your property and expect the claim to be reimbursed in full. However, insurance companies are always looking to reduce their losses and pay you the minimum amount they can. This is why you might need to hire a lawyer for your insurance claim. The lawyer will represent you for the claim and ensure that you get the maximum amount.
Assessment of the claim
An insurance company uses insurance adjusters and sometimes asks their lawyers to estimate the amount of your claim. The insurance adjuster will visit the property and carry out detailed inspections in order to estimate the amount for you. It is advisable to have your own lawyer at this stage in order to protect your interests. You will be asked numerous questions regarding yourself and the other parties that may have the knowledge of what caused the claim and led to the resulting damage. There will be reports which will be completed and photographs taken. Incase of any incorrect information or inaccurate figures, the insurance company will lower the amount of the claim or can outright reject the claim.
Types of property claims a lawyer can help you with
You can hire a lawyer for help in case of any damage to the property that is covered by an insurance policy. This includes water damage, theft, fire, vandalism or damage caused due to storms, floods, tornadoes, hurricanes and winds.
What to do if the company denies the claim?
If due to some reason, the insurance company rejects or denies your claim, it does not mean you have to accept the result. They often wrongfully reject the claims or undervalue the claim so as to pay a lower amount to you. If you think that the insurance company is doing wrong and is not accepting your claim, you can hire a lawyer to represent you and you can file a lawsuit in order to obtain the benefits you rightfully deserve on the policy. Incase of a motor insurance claim,
Justin Kimball from Preszler Law explains that the insurance company cannot request independent medical examinations more often than is reasonably necessary. Since you are not aware of the laws, the insurance company might try to downsize your claim and minimize their losses. This is where an experienced lawyer can make all the difference.
When is the right time to contact a lawyer?
If you have made up your mind to hire a lawyer, you should not delay it. Hire an insurance claims lawyer at the earliest for he will present the claim in a light which is favorable to you and will ensure that the claim adjusters have the right information to adjust the claim. They will also help you maximize the value of the claim so that you receive the full amount for the losses you incurred. You might say something wrong or incorrect and it could jeopardize your claim. You could end up losing the benefits to which you are legally entitled and which you paid for in your insurance policy.
The lawyer will act on your behalf and will keep your interests in mind. He will ensure that your claim is maximized and it is paid to you at the earliest. It is a known fact that every case does not require a lawyer but the increasing instances of claim rejections by insurance companies has led to a rise in the demand for lawyers. If you think that you need a lawyer to represent you in the court, you should not delay hiring one. The lawyer will have adequate knowledge and professional experience to help you with the case. You need to ensure that you provide honest and accurate information to the lawyer about the case. This will help them build a strong case using their professional experience and technical knowledge. Hiring a lawyer for your insurance claim can make a huge difference to the results and you will be able to receive the maximum amount of the claim.