When a person suffers a major loss because of theft, fire, or some other disaster, they usually will file a claim with their homeowner’s insurance company. In most cases, the person filing the claim does not know a lot about insurance and usually depends on their insurance company to do the right thing and pay them the financial compensation their policy stipulates.
Unfortunately, it is a rare insurance company that actually has their customer’s best interest at heart. Insurance companies are in business to make profits and any time they have to pay money out, that cuts into their profit. This means that they will do their best to avoid paying out customers the amount they deserve.
If you find yourself in a battle with your insurance company because they are refusing to honor the policy you have with them, contact a law firm to speak with an insurance litigation attorney. They can help get you the funds you are entitled to. In the meantime, the following are some of the questions our clients often ask.
How do I know I need an attorney?
If you have been corresponding with your insurance company in person and in writing and are not getting any satisfaction or results, it may be time to contact an attorney. An attorney can deal with the insurance company directly and negotiate on your behalf. If your state is one that allows public adjusters to represent clients in these situations, you may want to consider that option, as well.
Once you do hire an attorney or public adjuster, it is best to let them do all the communicating with the insurance company. And many times, once the insurance company discovers that there is an attorney in the picture, they are often more likely to be open to fair and just negotiations.
What type of attorney should I hire?
The best type of attorney to hire is one who specializes in insurance litigation. There are many rules and regulations that are attached to insurance laws other attorneys who do not have the expertise in insurance laws may not know. If you had a heart problem, you would go to a cardiologist, not a dermatologist. The same principle should apply to the specialty of law. If you have an insurance issue, do not go to an attorney who specializes in family law or estate planning issues.
Contact an Insurance Litigation Attorney
If you have filed a claim with your insurance company and they refuse to honor your policy, it is crucial to your case to find an insurance claim lawyer in Chicago, IL who is not only is a skilled negotiator but is also an experienced and aggressive litigator who will take your case to trial if the insurance company fails to negotiate in good faith. Call a law office today to schedule a free case evaluation with an insurance litigation attorney.
Thanks to Childress, Loucks & Plunkett for their insight into private insurance law and common questions about insurance litigation.