The number one thing to understand about residential and business loss insurance policies is that, as the insured, it is YOUR responsibility to prove your losses. In other words, you should not rely on your insurance company or a contractor to prove your claim. Further, it is up to you to prove that your losses are, in fact, covered by your policy.
There are also strict time limits on informing your insurance company, submitting a claim and proving your losses. This means you must act quickly when filing a claim.
When making an insurance claim, some of the requirements that you must fulfill include:
If you have suffered a substantial loss, it is helpful to seek legal counsel. An experienced insurance lawyer can efficiently take steps to assess your coverage, confirm that you meet claims process deadlines, gather the evidence required to prove your losses, and calculate the damages to which you are entitled. If you have just lost your home or have suffered a major disruption to your livelihood, it can be reassuring to have someone available to deal with the legal issues while you deal with the personal impact of the damage.
Insurance lawyers will commonly take the following steps:
The ultimate goal for our insurance lawyers is to expedite the claims process and assist you in the recovery of your loss; whether that is the result of reaching a more satisfactory claim recovery or by helping in the restoration of your residence or business operations.
If you are facing the prospect of having to make a substantial insurance claim, call Murphy Battista LLP and ask to speak to one of our insurance claim lawyers. We can help.
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Information provided in our blog posts is not intended to be legal advice.
The outcome of every legal proceeding will vary according to the facts and unique circumstances in each individual case. References to successful case results where the lawyers at Murphy Battista LLP have acted for clients are not necessarily a guarantee or indicative of future results.