When Should I Hire A Lawyer for a Home Insurance Claim - Eberst Law Firm

Having a home insurance claim denied is one of the most frustrating things any homeowner can experience. You’ve already gone through the stress of seeing your home – and possibly all of your belongings – destroyed in a disaster such as a hurricane, a fire or some other catastrophe. Having to deal with insurance company hassles is adding insult to injury.

It’s critically important to know you have rights. At Eberst Law, we’ve seen far too many instances where insurance companies either failed to pay the full value of a home insurance claim, or flat out denied claims. Even though you’ve paid a lot of money on your policy over the years, the insurance company has failed to fulfill its promises.

Our attorneys are ready to fight for you, and to help you get through all of the complexities that can arise from denied or underpaid home insurance claims. If you would like to learn more about how we may be able to help, please contact us online or call 888-CALL-JON.

When You Should Contact a Home Insurance Claim Attorney

Insurance companies are supposed to come through when you need them the most. They should be there for you when you suffer terrible losses, providing you with the money you need to rebuild and get your life back to normal.

The unfortunate truth, however, is that they often don’t do this. They will often engage in what is known as a “bad faith” practice. This typically means that the insurance company will do whatever it can to escape its obligations. This can take the following forms:

  • The carrier denies coverage without giving a reason.
  • It doesn’t provide critical information to the policyholder.
  •  It conducts a haphazard investigation into the claim.
  • It fails to properly disclose policy limits, and the policyholder believes he or she has more coverage than really exists.

There are other times where an insurance company will try to “lowball” a policyholder. This is actually a fairly common practice. This is where the insurer only agrees to pay the minimum they can on a claim. They do this in a variety of ways. They may agree to pay less than the cost of repairs needed on your home, or they might not pay for those repairs at all.

Please don’t ever accept any settlement offered by an insurance company if you feel you are being lowballed. If you do, that will close the claim and you won’t be able to fight any longer. Talk to an attorney with The Eberst Law Firm to learn more.

Can an Attorney Help After Your Claim Has Been Denied?

The answer to that question is a definite, “Yes.” Even if your insurer denies the claim, a skilled attorney can present new evidence to bolster your case. That could be the only chance you have to convince the insurance company to change its position. Your attorney will negotiate a fair settlement if possible. However, if a fair offer isn’t forthcoming, then you may have to file a lawsuit in order to obtain the compensation you deserve.

Will Hiring an Attorney Boost Your Chance of Success?

No reputable attorney will ever promise you’ll win if you fight your insurance company. But there are some instances where an experienced lawyer could increase your chances of realizing a positive outcome.

At The Eberst Law Firm, we will talk to you to find out the details of your case. If we believe it’s strong enough, we’ll fight passionately on your behalf. We’ll uncover the evidence needed in order to help you obtain the money you deserve.

Never try to fight an insurance carrier on your own. They have seasoned professionals on their side who know how to intimidate people who don’t have legal representation. They might deny the claim in hopes you just disappear. Or they’ll make a low offer, figuring you’ll accept it because something is better than nothing.

On the other hand, an insurance company will often change its mind once it learns you have an attorney. It often costs far less money to make a fair settlement offer than to risk going to court.

It will often take an attorney to force an insurer to be fair, and to pay your claim in a timely manner. These kinds of cases are extremely complex, so hiring a lawyer will be your best choice – by far.

Is Hiring an Attorney Worth the Cost?

If you’re not happy with what the insurance company is offering to pay, but the amount isn’t very far from what you expect, then hiring an attorney probably won’t be worth it. However, if the difference is substantial, you should definitely consider getting legal representation.

That’s especially the case if you hire The Eberst Law Firm. If we choose to take your case, we’re doing so because we believe it’s strong enough to warrant our full attention. If we’re unable to win that case, then you won’t have to pay us a dime. You’re basically risking nothing. Even if you think your claim isn’t large enough to be worth a fight, please get in touch anyway. We’ll listen to the details and let you know if this is a matter worth pursuing.

How an Attorney Will Fight a Home Insurance Claim

The vast majority of people simply don’t have the experience it takes to fight an insurance company. Like you learned earlier, insurance companies have teams of professionals who are dedicated to helping the carrier save as much money as possible. They’ll use every trick in the book they can to keep from paying you what you deserve.

At Eberst Law, however, our attorneys are just as skilled. If we choose to take your case, that means we believe we can win – and we’ll use every tool at our disposal to do just that. We know how to negotiate with insurance companies, and we know how to find the evidence needed to help our clients succeed.

Get in touch with us as soon as you can if you feel your insurance company is being unfair. Use our online form or give us a call at 888-CALL-JON.