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Do I Have a Home Insurance Dispute Case?

Do I Have a Home Insurance Dispute Case?

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Do I Have a Home Insurance Dispute Case?

Filing a home insurance claim can be a complex process. In an ideal case, the insurance company would provide you with the money that is rightfully yours.  

The provider should pay you adequately and promptly. Unfortunately, this does not always happen. 

Oftentimes, insurance companies attempt to underpay claimants. In some cases, the provider may wrongfully deny a claim.  

This might make you wonder, “Do I have a home insurance dispute case?” When you find yourself in a situation like this, it is critical to speak with a knowledgeable legal professional about your case. 

The legal team at the law firm of Morgan & Morgan has decades of experience successfully representing clients in home insurance dispute cases. You should not settle for an inadequate payment from a home insurance claim. 

When you need premier legal representation, look no further than the compassionate attorneys at Morgan & Morgan. We understand that you may be facing many difficult challenges in the wake of a home insurance claim denial. 

Our specialists will fight tirelessly to recover the money that you need to move forward. When you are wondering, “Do I have a home insurance dispute case?” do not wait. Reach out to us for a consultation. 

To schedule a no-cost case evaluation to discuss your dispute, fill out the contact form on the Morgan & Morgan website today.

Common Reasons for Home Insurance Claim Disputes

Homeowners and their insurance providers have competing interests. As a homeowner, you want to secure the money you need to repair any damages or problems with your home.  

Your insurance provider has a financial interest in denying or devaluing your home insurance claim. This is how insurance companies protect their bottom lines and increase their profits.  

Many different situations can result in a home insurance dispute. In any of the following scenarios, you may wonder, “Do I have a home insurance dispute case?”

Some of the most common reasons for a conflict between the claimant and insurer include:

Denial of Claim

When the insurance provider denies a claim outright, it may be grounds for a legal dispute. Sometimes, denials happen because the provider has misapplied an option for exclusion under the particular policy. 

For instance, the insurance company may claim that the damage to the home: 

  • Was pre-existing
  • Resulted from neglect
  • Resulted from lack of maintenance
  • Is not listed in the policy 

Before you file a claim with your home insurance provider, make sure to review the coverage that your policy provides. Reviewing your coverage will also make you aware of the maximum value limits on your policy.

Inadequate Payment

Even if your claim is approved, getting a proper valuation for your damaged property can be difficult. Inadequate payments constitute some of the most common disputes between insurance companies and homeowners. 

If you feel like your claim has been dramatically undervalued, it is normal to wonder, “Do I have a home insurance dispute case that I can win?” Speaking with an attorney is critical if you have been underpaid from an insurance claim. 

Insurance companies typically attempt to secure the lowest valuation of property repair and replacement costs. Once you accept a settlement from your insurer, you waive the right to pursue a legal claim for more compensation. 

That is why you should consult with a knowledgeable legal specialist before accepting your insurance provider’s settlement offer.

Delayed Response

Many insurance providers do not respond to claims quickly. If you are waiting to hear back from your insurance provider, you may wonder, “Do I have a home insurance dispute case?” 

Some delays are the understandable result of many claims at one time. For example, many homeowners are likely to file claims in the aftermath of a natural disaster­­, such as a hurricane or tornado.  

However, sometimes the delay is intentional and strategic. Insurance providers are not rushing to provide claimants with the checks that they deserve. 

Insurance providers know that the longer they wait, the more pressure claimants are under to accept a low settlement. Speaking with a knowledgeable tort lawyer can help to expedite the claims process. 

An attorney can make the provider aware that you are willing to take legal action if necessary. This may persuade the insurance company to take your claim more seriously and act in a timely manner.

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  • What to Do in a Home Insurance Claim Dispute

    No matter the circumstances of your home insurance dispute, it is difficult to fight a claim with a large provider. Oftentimes, this type of dispute requires claimants to file mountains of paperwork, invest time and energy, and navigate obscure jargon. 

    Also, insurance companies have massive resources at their disposal. Usually, their adjusters are experienced negotiators and will attempt to offer the lowest valuation possible. Unfortunately, the deck is stacked against homeowners. 

    Without plenty of experience in the home insurance claims process, you may be unable to recover the money that you are rightfully owed. This is where a knowledgeable insurance lawyer can help. 

    As soon as you realize you have been wrongfully denied the full amount you need, do not hesitate. In some cases, you will only have a specific amount of time to act. 

    Reach out to a seasoned legal professional to discuss the specifics of your home insurance dispute case. The accomplished attorneys at Morgan & Morgan understand the nuances of the insurance claims process.  

    Our team will bring our extensive knowledge and experience to help you dispute your home insurance claim. 

  • How Will a Home Insurance Attorney Help You?

    When you need legal assistance fighting a home insurance claim dispute, your attorney will oversee every element of your case. Insurance claims and policies are written for the benefit of the insurer, so there are many technical defenses and loopholes that insurance providers have at their disposal. A skilled legal professional will understand how to counter these strategies and work to secure the money that you are owed. 

    When you hire one of the lawyers at Morgan & Morgan, they will handle the following elements in your home insurance dispute case:

    • Completing and filing relevant paperwork
    • Ensuring that all legal deadlines are met
    • Navigating the complex logistical claims requirements
    • Negotiating forcefully with the insurance provider
    • Securing an appraisal to determine the value of your claim
    • Speaking with related experts and specialists
    • Collecting relevant evidence and information
    • Filing litigation if negotiations break down

    Claimants who hire a knowledgeable legal representative have a much better chance of recovering financial compensation in their cases. Let the dedicated attorneys at Morgan & Morgan help you get your house back in order.

  • How to Find a Premier Home Insurance Attorney

    Even if you know you have a home insurance dispute case, you may not know how to find a lawyer that is right for you. Hiring the wrong legal professional may leave you with a failed insurance claim. 

    To find the right legal representative who will fight for you, take the following steps:

    Read Testimonials From Former Clients

    Online research is an excellent tool for locating skilled attorneys in your area. Make sure to read reviews and testimonials from the firm’s previous clients to anticipate the quality of your experience. 

    You should never only rely on quotes from the firm’s own website. These reviews are designed to make the attorneys look as good as possible. 

    Instead, find quotes from former clients from many different online sources. Broadening your sources will help you gain an objective view of the quality of the attorney.

    Schedule a No-Cost Case Evaluation

    When you are involved in an insurance dispute, you should not have to worry about paying to consult a lawyer. Most reputable tort attorneys will provide you with a free legal consultation to discuss your case. 

    During this meeting, the attorney will ask you detailed questions to gain an understanding of your situation. Make sure to bring any relevant documents or information to help them determine the validity of your case. 

    You should also use this consultation as a chance to decide whether the attorney is right for you or not. Don’t be afraid to ask many questions, such as: 

    • Do I have a home insurance dispute case I can win?
    • Have you handled home insurance dispute cases before?
    • What laws and statutes are relevant in my case?
    • What is your negotiation strategy?
    • How long do you think this case will take?
    • Is it likely that I will need to sue?
    • How does your firm handle payments?
    • What is the next step after this meeting? 

    These are only a few examples of general legal questions. You should also ask the attorney any questions that relate to your case directly. 

    If a lawyer says or does anything that makes you uncertain about their legal abilities, keep looking. You should never hire a legal representative unless they have your full confidence.

  • What Type of Payment Arrangement Should I Look for When Hiring an Attorney?

    It is important to understand how a lawyer handles attorneys’ fees before you hire them. Most reputable tort law firms operate on a contingency fee payment model. 

    With this approach, you will not pay anything unless the attorney recovers the money that you deserve. When you hire the firm, you will agree to a specific percentage of the recovery from your case. 

    After the law firm recovers money in your home insurance dispute case, that percentage will be used to cover the cost of legal fees. In other words, you will pay nothing upfront.

  • Is There a Standard Process for Appealing a Denied Insurance Claim?

    Some insurers will provide you with a standard appeals form. The process may differ between insurers, depending on the company that provides you with coverage. 

    However, a knowledgeable attorney will help you to navigate the appeals process. They will present a powerful case to show that you are owed compensation for the property damage that you sustained.

  • Morgan & Morgan Will Fight for You

    When you have a home insurance dispute case, contact America’s most reliable tort law firm, Morgan & Morgan. Our compassionate attorneys understand the difficulties people face in the wake of a denied home insurance claim. 

    We will happily provide you with a no-obligation meeting to discuss the facts of your claim. Fill out the simple contact form on the Morgan & Morgan website to schedule a free legal consultation today.

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Last updated on May 03, 2023

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