Storm damage lawyers unafraid of insurers
Has your property and casualty claim been denied, delayed, or underpaid?
When your property is damaged or destroyed due to an accident, natural disaster, or another incident, you expect your insurance company to uphold its end of the bargain and cover your losses. However, many individuals and businesses face denied, delayed, or underpaid claims that leave them struggling to recover.
At Alexander Shunnarah Trial Attorneys, we understand the challenges that arise with property and casualty claims and are here to help you fight for the compensation you deserve.
Our experienced attorneys are here to help people who need a professional to hold their insurance company accountable. By choosing with our firm to represent you, you’ll get a top-tier lawyer along with their:
What Are Property and Casualty Claims?
First-party property and casualty claims refer to insurance claims filed by the policyholder (the “first party”) directly with their own insurance company.
These claims are made when the policyholder suffers a loss or damage to their property, or incurs certain liabilities covered under their insurance policy.
Key Aspects of First-Party Property and Casualty Claims
Depending on the policy, the claim might cover repairs, medical bills, replacement of lost or damaged property, or other expenses related to the incident.
Property Claims: Property claims involve damage to the policyholder’s own property. This can include homes, vehicles, or other personal or business assets.
Common examples include claims for damage caused by fire, theft, vandalism, natural disasters (like hurricanes or floods), or other unexpected events covered by the policy.
The policyholder seeks reimbursement or coverage from their own insurance company to repair or replace the damaged property.
Casualty Claims: Casualty claims generally involve liability coverage for injuries or damages that the policyholder is responsible for, but it’s important to note that first-party casualty claims focus on the policyholder’s own losses.
For example, if a policyholder is injured in an accident or suffers a loss due to an event like a slip-and-fall on their own property, they may file a first-party casualty claim under their personal injury protection (PIP) or other liability coverage.
Types of Coverage: First-party claims can be filed under a variety of policies, including homeowners insurance, auto insurance, renters insurance, and business insurance.
Common Challenges in Property and Casualty Insurance Claims
Dealing with insurance companies after a loss can be overwhelming, particularly when insurers employ tactics to minimize or outright deny your claim. Some of the most common challenges include:
Complex Policies: Insurance contracts are often written in confusing language, making it difficult to understand your rights and coverage limits.
Denied Claims: Insurers may reject claims based on policy exclusions, missed deadlines, or disputes over the cause of damage.
Underpaid Claims: The insurance company may offer a settlement far below the actual cost of repairs or replacement.
Delayed Payments: Insurers may drag out the claims process, leaving you without the financial resources to repair or move forward with your life.
Find an Alexander Shunnarah Trial Attorneys Location
Alexander Shunnarah Trial Attorneys handles cases in all 50 states. Find a location or attorney to assist you with your case.
Why You Need a Personal Injury Lawyer for Property and Casualty Claims
Navigating the legal complexities of property damage claims and casualty claims can be a daunting task. Insurance companies have teams of adjusters and attorneys working to protect their bottom line, which is why you need experienced legal representation to protect your rights.
At Alexander Shunnarah Trial Attorneys, we have a proven track record of standing up to insurance companies and securing the compensation our clients deserve. Here’s how we can help:
1. Thorough Evaluation of Your Claim
We carefully review your insurance policy and assess the full extent of your losses to ensure that you are pursuing the maximum compensation available under your coverage.
2. Negotiating with Insurers
Our team has extensive experience in negotiating with insurance companies. We won’t let them push you into accepting a lowball offer. We fight to get you what you are owed.
3. Handling Litigation
If negotiations break down, we are prepared to take your case to court. Our trial attorneys are skilled in litigation and will present a strong case to hold insurers accountable for their obligations.
4. Navigating Legal Complexities
Insurance law can be intricate and confusing. Our attorneys simplify the process and guide you through every step, ensuring you fully understand your rights and options.
Contact Us for a Free Consultation
Don’t face the insurance company alone if you’re dealing with denied, delayed, or underpaid property and casualty claims.
Let the accident and injury lawyers at Alexander Shunnarah Trial Attorneys fight for your rights and help you recover the compensation you need to move forward.
Call us or fill out a form for a free consultation today. We’re here to protect your interests and ensure that justice is served.
Frequently Asked Questions
Explore our FAQ to get the answers to some of our most frequently asked questions about property and casualty insurance claims.
Why would the insurance company deny my property and casualty claim?
Insurance companies deny property damage claims for various reasons, including policy exclusions, incomplete documentation, or disputes over the cause or extent of the damage. Insurers may also argue that the damage was due to negligence or occurred outside the policy period. A personal injury lawyer can help challenge these denials and fight for your rights.
How long does it take to resolve a property and casualty claim?
The time it takes to resolve a property and casualty claim can vary depending on the case’s complexity and whether the insurance company is cooperative. Simple claims may be resolved within a few weeks, while more contentious claims that involve litigation can take several months. Hiring a lawyer can help speed up the process by ensuring the insurance company takes your claim seriously.
What should I do if my property damage claim is underpaid?
If your insurance company offers a settlement significantly lower than the cost of repairs or replacement, you may be dealing with an underpaid claim. A lawyer can help by reviewing the offer, negotiating with the insurer, and providing evidence that supports the true value of your claim. Legal representation is key to maximizing your compensation.upfront fees.
What are signs that my insurance company is acting in bad faith?
Signs that your insurer may be acting in bad faith include unjustified denial of your claim, unreasonably low settlement offers, delayed payment, failure to investigate your claim promptly, or misrepresentation of your policy terms. If you suspect bad faith, an experienced lawyer can help hold the insurer accountable and pursue the compensation you deserve.
How much does hiring a lawyer for a property and casualty claim cost?
At Alexander Shunnarah Trial Attorneys, we offer free consultations and work on a contingency fee basis. You don’t pay any legal fees unless we successfully recover compensation for your claim. This ensures you can get the legal help you need without upfront costs or financial risk.
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