When a person purchases an insurance policy, they pay premiums with the expectation that claims will be fully reimbursed. However, many are disappointed to find that insurers minimize payouts wherever possible. To level the playing field between clients and insurers, the Wegmann Law Firm in Hillsboro MO can provide advocacy and legal advice during insurance claims.
How are Claims Assessed?
Insurers use adjusters and attorneys to determine the value of a claim. The adjuster visits the property and performs a detailed inspection, and it’s wise for clients to hire a public adjuster and an attorney to protect their interests. Insurers ask questions of the claimant and other parties in an effort to find out what caused the claim and its related damage, and they often take pictures to include in a report. If a client provides the wrong information, the insurer will use it to justify making a lower offer.
What Types of Claims Can an Insurance Lawyer Assist With?
Insurance lawyers can help in any situation that causes property damage and is covered by an insurance policy. The most common examples are:
* Water damage
Fire
Vandalism and theft
Damage from high winds, floods, tornadoes and hurricanes
When an Insurer Rejects a Claim
If an insurer denies a claim or doesn’t pay its full value, the client isn’t obligated to accept the results. Insurers routinely undervalue and deny claims for no reason, but a lawyer with the Wegmann Law Firm in Hillsboro MO can work on the client’s behalf to get them the benefits they deserve as a policyholder.
When Should a Claimant Call a Lawyer?
Clients should hire a claims attorney as soon as possible. A lawyer will present the case in the most favorable way possible, in order to provide the insurer with the information needed to make a fair settlement offer. If a client says or does the wrong thing, the claim could be compromised, and they can lose the benefits for which they have paid.
An insurance lawyer acts on clients’ behalf with their interests in mind, and he or she will do everything possible to increase the value of a claim. A preliminary consultation with an insurance attorney is free, and in most cases, the insurer pays the lawyer’s fees. Click Here to schedule an appointment.
