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When you need to make an insurance claim, you expect your policy provider to be there for you. Unfortunately, insurance companies are for-profit businesses, which leads them to try to pay out as little as possible. This often leads them into attempting to take advantage of policyholders that don’t fully understand their rights or who aren’t willing to fight for their due.
At Grisham & Kendall, PLLC, we have more than 20 years of experience in assisting Houston policyholders with their insurance claims. The Houston insurance attorneys at Grisham & Kendall only represent policyholders – we don’t work for any insurance company. If you have any questions, please call the insurance attorneys of Grisham & Kendall, PLLC at (214) 308-2027 to discuss your insurance claim.
Was your property damaged by the recent winter storm? If so, it is advisable to review your policy and claim with an experienced attorney. Your insurance policy contains specific requirements and duties you must follow after sustaining a loss. Failure to comply with these requirements and duties may jeopardize prompt and full payment of your claim.
The Houston insurance lawyers at Grisham & Kendall, PLLC have represented homeowners and commercial property owners for more than 20 years. We offer a free review of your policy and claim and are happy to discuss the issues that may apply to your individual claim relating to damages from frozen/burst pipes and sprinkler systems from this year’s Winter Storm. If you would like our attorneys to review your insurance policy at no cost and with no obligation, please call Grisham & Kendall, PLLC at (214) 308-2027 to schedule a call or contact us using the form.
Anyone who has ever filed an insurance claim knows how stressful and time-consuming the process can be. Not only do you have to deal with the stress of recovering from a car accident, hospital stay or home repair project, but then you also have to jump through all the hoops your insurance company wants you to in order to receive fair compensation for your loss.
Fortunately, an experienced Houston insurance attorney can help make this process much easier and more streamlined. An attorney can help identify any gaps in your insurance policy and negotiate fair compensation on your behalf. In this blog post, we’ll discuss five ways a lawyer can assist with your next insurance claim:
You can contact us at anytime and anywhere – 24/7 365 days. Here are some of the most common types of claims we help with:
1) How to file an insurance claim
2) How to receive a check from an insurance company?
3) What is a loss adjustment letter (L.A.L.)?
4) What is a settlement check?
Your insurance company’s offer may seem generous, but you may be better off accepting a settlement offer from the at-fault driver’s insurance company. The reason is that insurance companies tend to low-ball settlement offers, and your insurance company will use the offer as a starting point in settlement negotiations.
So if you are injured in a car accident, it’s best to have your own lawyer represent you in settlement negotiations. Your houston insurance claim lawyer will be better equipped to negotiate a fair and equitable settlement for your injuries.
If your insurance company offers you a settlement, you may be tempted to take it and be done with the matter. However, it is important to carefully review the settlement offer and make sure that you are being fairly compensated.
If the insurance company’s offer is less than you believe is fair, you may want to consider negotiating with the company or filing a lawsuit. If you reach an agreement or file a suit, the case will likely be put on hold until a court or arbitrator makes a final decision on your case.
If the court or arbitrator awards you more than the insurance company offered, then they will likely have to pay you that difference as well.
If your insurance company is delaying in paying out your claim, there are a few things you can do. First, you can contact the claims department and ask for an update on the status of your claim. Additionally, you can contact customer service and ask for assistance with your claim. Additionally, you may also want to contact your insurance regulator, as well as the media, if necessary.
If your insurance claim is still being processed, it may be a good idea to take some photos of the damaged items and keep records of all communication with the claims department. If the process is taking longer than expected, it may also be a good idea to contact a lawyer to assist you with the claim process.
In the event of a claim, an insurance company will usually make an initial offer to settle. If you don’t think this amount is fair, you can ask for a review or appeal.
If the company can’t be persuaded to pay more, your next step may be to take legal action. Legal action is not always necessary nor is it always successful. If you do take legal action, you may have to pay legal fees and may not get that money back even if you win. In some cases, the judge or arbitrator may order you to pay some of the other sides’ legal fees if you lose.