When you have something valuable, you want to protect it. That’s why you get insurance: it’s a safety net against the unforeseen and unfortunate events that threaten our investments. When you need it, you expect your insurance company to be on your side, to act in good faith and honor your claim. Nonetheless, insurance companies are for-profit business. You may be surprised just how profitable: In 2018, the net premiums written in the industry’s property and casualty sector totaled $612 billion, with $60 billion in net income.
When you have a dispute with your insurance company, you can bet that they have legions of lawyers working on their side. It pays to have an attorney on yours.
Your attorney can help relieve the stress that comes from working with an insurance company
The average person may file a homeowners insurance claim only several times over the course of the time they own the house. The insurance company deals with thousands of claims a day. When it comes to working your insurer, they have the upper hand. It’s stressful, and it’s often hard to know whether you’re being dealt with fairly. When you work with an experienced property attorney, you’re working with somebody who is on your side, who will make sure that claims are completed accurately and filed in a timely manner, and who will see to it that your rights are protected.
Your attorney works to get you the maximum amount for your claim
It’s almost a given that the insurance company will try to “low-ball” your claim payment. If you have a large claim, a complicated circumstance or are worried that you aren’t going to get the full amount of your claim, you may want to contact an attorney before you speak to your insurance company. Attorneys are skilled negotiators who work to get the most for their clients. It’s important that you choose an attorney with a background in working with property claims as they have the skill and knowledge needed to get you the best possible settlement.
Your attorney is your advocate when your claim is delayed, denied or underpaid
Don’t be surprised if you don’t get what you expected from your insurance company. They may stall your claim by not returning calls promptly or continuing to request documents, even if they seem to have little or nothing to do with your claim. They often underpay a claim, telling you that the damage was not as bad as reported or they simply undervalue your claim. Worse still, they may simply deny your claim outright.
Your attorney can negotiate with your insurance company to try to work things out. If the insurance company is acting in bad faith—whether through deception, deliberate misinterpretation of the policy, unreasonable demands for proof of damage or delaying tactics—you may be able to file a suit not only for the full amount of the claim, but also for attorney fees and additional damages.
We don’t let insurance companies get away with treating you unfairly
If you disagree with what your insurance company has offered, or if your claim has been delayed or denied, talk to the Orlando insurance dispute attorneys of Johnson & Williams, P.A. as soon as possible. We fight to get what is right, what you’ve paid for and what you deserve. Call us at (407) 245-1268 or contact us online to schedule a free consultation—and put somebody on your side.