An insurance claims attorney can help when you have damage to your home or business. Our insurance claims attorneys can also represent you against health and disability insurance companies when you have been denied coverage, and in connection with other types of insurance claims.
Insurance claims can be necessary with many types of insurance such as life, auto, hazard (fire and storm), health/medical, and general liability insurance policies. These insurance policies provide monetary benefits to either their insured or a third party when certain events occur, such as death, injury or illness or damage to property. Read more…
Tips When Buying Insurance
Most people rely entirely upon their insurance agent to provide them with the coverage they need. However, even the best agent may not be aware of your particular needs and you may not find out there is a problem until too late. Here are some tips to consider when buying insurance:
Always ask questions if you do not fully understand what you are buying. If you are not clear about your coverage conditions or the amount of your insurance policy limits, speak up and ask your agent.
When buying life insurance, consult with your attorney to be sure that the policy is consistent with your estate planning needs.
Be sure you understand when your life insurance premiums may be increased or how coverage may end before you die. Read more…
Common Legal Terms
Declarations or “Dec Page:” The portion of your policy that identifies the persons insured, the property or automobiles insured and a list of the different types of coverage included in the policy.
Coverage: The events, persons or property for which the insurance applies.
Definitions: Definitions are used to define technical terms used throughout the policy. These should be read carefully as the usage of certain words in an insurance policy may not be the same as their everyday use. Read more…
The Claims Process
Despite television advertisements by insurance companies portraying their eagerness to settle claims, the truth is quite different. Insurance companies have a methodical process to investigate claims and determine if they will pay claims. Understanding how the process works can help you speed the process up and preserve your rights if your claim is denied.
The claims process begins when a claim is reported to the insurance company. You may report your claim by calling your agent, speaking to another representative of the insurance company by calling a toll free telephone number, using an insurance company website or by submitting written notice. Read more…
Insurance Claims Tips
1. Report your loss ASAP
The claims process does not begin until you report your loss. Call your agent or your insurance number and tell them you want to report a loss under your insurance policy. Ask for the name, address, email address and direct telephone number of the person who takes your information. Also, also for the claim number that will be used and request that a confirmation of the claim being reported be faxed or emailed to you that same day.
2. Take reasonable steps to protect your property after the loss
Additional damage may occur following a loss while you are waiting or the insurance company to settle your claim. If damage has left property exposed to weather or theft, you may wish to store it off site or have temporary coverings installed on a building. Read more…