Fires, floods, and hurricanes
are just a few causes of damage that trigger homeowners insurance claims. When insurance
companies delay, deny, or attempt to underpay a claim, a homeowner’s next step
should be consulting an attorney. Experienced lawyers will guide you
through the process and fight to recover the money your insurance company owes
you. To help them in this endeavor, there are a few ways you can strengthen
your case.
How to Pursue a Successful Claim
1. Understand Your Coverage
To eliminate confusion and
inaccurate claims, go over your homeowners insurance policy, verify that it
covers your damage, and check the coverage limits. Inspect for any conditions
that may exclude coverage, and ask questions of your insurer and attorney about
anything you don’t understand. Having the correct information bolsters your
claim and helps speed the process.
2. Create & Keep Documentation of Expenses
Take photographs and videos
of property damage and loss, and show all repairs that you make. Keep all the
estimates for work and the receipts for temporary and final restorations.
Related costs may be recoverable, such as staying in a motel or rental property
while your home undergoes repairs. Maintain a log and bills for those expenses.
3. Be Precise in Your Claim
Making vague claims won’t get
you the full compensation you deserve. If you have a written or pictorial
inventory of your home’s contents before the damage occurred, it helps your
insurance attorney build your case. After the event, use a video camera to go
room to room to describe the losses in as much detail as you can. If your case
goes to trial, the visual evidence gives a judge and jury a clearer understanding
of your claim of loss.
When you need to file a
homeowners insurance claim or lawsuit in Lexington, KY, the team at Mehr, Fairbanks & Peterson, Trial Lawyers, PLLC, will devote their
skill, passion, and resources to obtain full compensation for you. These
experienced insurance attorneys have a nationwide track record of success in recovering
millions of dollars for their clients. Visit the firm online now to learn more about
them or call (859) 225-3731 to schedule your consultation.
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