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Washington State Woman Wanted For Alleged Insurance Fraud

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Jessica Berman has been added to Insurance Commissioner Mike Kreidler’s insurance fraud most wanted after she failed to appear in Yakima County Superior Court to face five felony charges related to a reported auto theft.

A bench warrant for her arrest was issued on Feb. 14 and lease is set for $10,000.

If you have information that may lead to their arrest, please contact your local law enforcement agency or contact Kreidler’s Criminal Investigations Unit (CIU).

Berman was charged by Yakima County Prosecutor’s Office after an investigation by Kreidler’s CIU. According to the investigation, in May 2018 Berman obtained a $5,000 loan using her 2007 Audi Q7 as collateral. The next day she insured the vehicle with GEICO. The next week she reported the Audi stolen and filed a claim with GEICO, stating there was no lienholder for the vehicle. GEICO paid Berman $10,689 for the total loss of the vehicle.

In July 2018, Berman increased the loan amount on the totaled vehicle and received an additional $5,000 from the lender. The lender contacted Berman in 2019 about past-due payments on the loan and eventually contacted GEICO, finding out the vehicle had been totaled.


GEICO paid the lender the balance of Berman’s loan, $9,789, as required by state lienholder laws, putting its exposure at $20,470. GEICO then referred the case to Kreidler’s CIU as required by state law.

Kreidler’s CIU investigates insurance fraud and works with the Washington State Patrol and state and local prosecutors on criminal cases. Insurance fraud costs the average family $400 to $700 per year in increased premiums. Insurance companies are required by law to report fraud to the commissioner.

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Burgeoning Pet Ownership Positions Pet Insurance Market to Exceed US$ 45.6 Bn by 2032

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NEW YORK, Feb. 25, 2022 /PRNewswire/ — The global pet insurance market is expected to grow at 16.5% CAGR during the forecast period (2022-2032). Overall sales in the global pet insurance market are estimated to reach US$ 45.6 Bn by the end of 2032.

According to the analysis, the market will witness an incremental opportunity of US$ 9.9 Bn by 2022. Growing preferences of pet humanization and growing awareness about benefits of pet insurance is projected to stoke the growth in the market.

Besides this, increasing adoption of pet insurance policy among the pet owners to reduce financial risk and to improve the safety for health and well-being of pet will boost the market.

According to survey conducted by pet planat UK based company, increase in pet ownership was witnessed in 2020. Around 47% surge in the purchase of dogs and cats as pets for the first time was observed during the FQ-20.

Consequently, demand for companionship and proliferation of work-from-home increased, spurring the sales of pet insurance by nearly 5x through 2022 & beyond.


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Further, rising incidence of feline and canine diseases coupled with the out-of-pocket expenditures is projected to aid the growth in the pet insurance market. For instance, according to the North American Pet Health Insurance Association (NAPHIA), around 3.45 million pets were insured in the North America region in 2020.

On account of this significant rise in pet adoption and insurance, the market is poised to expand at a staggering rate during the forecast period. This will create lucrative growth opportunities for the market players in the coming years.

Report Attributes


Base Year Value (2021A)

US$ 8.5 Bn

Estimated Year Value (2022E)

US$ 9.90 Bn

Projected Year Value (2032E)

US$ 45.60 Bn

Global Growth Rate (2022-2032)

CAGR 16.5%

Key Takeaways:

  • Based on sales channel, the direct sales segment is estimated to hold the maximum share of 34% in 2022.
  • In terms of animal type, the dogs segment is projected to dominate the market with 50% market share.
  • The accident and illness coverage type segment are projected to account for the 85% of overall pet insurance sales.
  • Asia-Pacific is estimated to register the fastest growth rate at 18% CAGR owing to the rising pet adoption in China and India.
  • Europe is expected to account for more than 44% of demand share in the pet insurance market backed by growing trend of pet humanization.

Growth Drivers:

  • Growing veterinary cost is increasing the adoption of pet insurance, driving the sales in the market during the forecast period.
  • Rising awareness regarding canine and feline related diseases is expected to surge the demand for pet insurance.


  • Lack of consumer awareness regarding pet insurance policies and high cost of the pet insurance plans in certain underdeveloped regions might hamper growth.
  • Unavailability of standardized pet health codes during the time of reimbursement claims will restrict the sales.

To Gain In-Depth Insights on Pet Insurance Market, Request Methodology at


Competitive Landscape:

Leading players in the pet insurance market are adopting business strategies such as mergers & acquisitions, collaborations, and joint ventures to gain maximum revenue. They are also launching new policies to gain a competitive edge in the industry.

Par exemple,

  • June 2020: Vetter Software entered into a partnership agreement with Trupanion. The partnership helped form company’s cloud veterinary practice management platform software integrate with Trupanion’s software, allowing direct payments to veterinarians during the checkout.
  • October 2021: AXIS Insurance, AXIS Capital Holdings Limited partnered with Managing General Underwriter Petplan. Additionally, the Accident and Health unit entered into a partnership with pet plan from the growth perspective.

Key Companies Profiled by Fact.MR

  • Trupanion, Inc.
  • Deutsche Familienversicherung AG (DFV)
  • pet plan (Allianz)
  • Animal Friends Insurance Services Limited
  • Figo Pet Insurance, LLC
  • Direct Line
  • PetWatch
  • Embrace Pet Insurance Agency, LLC
  • Anicom Insurance
  • Agria Pet Insurance Co., Ltd.

More Valuable Insights on Pet Insurance Market

Fact.MR, in its report, offers a market analysis on the global pet insurance market providing unbiased analysis for the forecast period of 2022 to 2032. This survey also reveals growth projections in the pet insurance market with detailed segmentation, on the basis of:

By Cover Type:

    • Accident Only
    • Accident & Illness
    • Other Coverage Types

By Pet Type:

    • Cats
    • dogs
    • Other Animal Types

By Sales Channel Type:

    • pet insurance through Bancassurance
    • Direct Pet Insurance
    • pet insurance through Brokers
    • pet insurance viaAgency
    • pet insurance through Other Sales Channels

By Region:

  • North America
  • latin america
  • Europe
  • east asia
  • south asia & Oceania
  • MEA

To Remain ‘Ahead’ of Your Competitors, Buy the Report Now!


Key Questions Covered in the Pet Insurance Market Report

  • Which are the significant factors propelling the sales in the global pet insurance market?
  • What is the expected CAGR of the global pet insurance market during 2022-2032?
  • At what rate did pet insurance market grow during 2017-2021?
  • Who are the dominating players in the global pet insurance Market?
  • Which is the leading region in the pet insurance market?

Explore Fact.MR’s Coverage on the Consumer Goods Domain

Smoking Cessation Products Market Trends – Smoking cessation products market is expected to exhibit stupendous growth throughout the forecast period. Besides this, the stringent government regulations against protection of consumers from second-hand smoking and exposure of minors to smoking products is expected to boost the market.

Pet Feeder Market Forecast – Increasing concern for the health of pets and rising concern among pet owners regarding the pet safety has resulted in a surge in pet service products, such as pet feeders. On account this, the demand for smart pet feeders is projected to increase over the forthcoming decade.

Pet Wearables Market Analysis – Growing trend of pet humanization and adoption of pets is propelling the demand in the pet wearables market. In addition to this, increasing awareness regarding the pet safety and pet insurance is fueling the sales of pet wearables such as activity monitors, emotion sensors, and others.

Pet Grooming Gloves Market Scope – The global pet grooming gloves market is projected to expand owing to growing popularity of pet grooming products among the owners. Additionally, the increasing adoption of dogs, cats, and horse as pets is projected to boost the market during the forecast period.

About Fact.MR

Market research and consulting agency with a difference! That’s why 80% of Fortune 1,000 companies trust us for making their most critical decisions. We have offices in US and Dublinwhereas our global headquarters is in dubai. While our experienced consultants employ the latest technologies to extract hard-to-find insights, we believe our USP is the trust clients have in our expertise. Spanning a wide range – from automotive & industry 4.0 to healthcare & retail, our coverage is expansive, but we ensure even the most niche categories are analyzed. Reach out to us with your goals, and we’ll be an able research partner.

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New California rules aim to lower property fire insurance rates

New California rules aim to lower property fire insurance rates

The rules will lower premiums for people who make improvements to their properties that resist wildfires.

SACRAMENTO, Calif. — California’s insurance commissioner announced new rules on Friday aimed at lowering premiums for people who make improvements to their property to resist wildfires.

Ricardo Lara said the new rules will require insurance companies to factor property owners’ improvements into the pricing of residential and commercial coverage. He said the new rules could take effect this summer.

Friday’s announcement follows’s last week’s news that the state is setting new insurance standards. Those new standards include a fire-resistant roof, at least 5 feet (1.5 meters) of defensible space around a home, a clearly defined evacuation route in a neighborhood and removal of vegetation overgrowth.

“With more Californians rolling up their sleeves and reaching into their own pockets to protect their homes and businesses, insurance pricing must reflect their efforts,” Lara said in a news release announcing the regulations.

Mark Sektnan, vice president of state government relations for the American Property Insurance Association, said the association is still reviewing the proposed regulations. He said insurers support the use of science-based mitigation standards.

“It is more vital than ever for consumers to mitigate their properties and financially prepare for wildfires, especially given the rebuilding delays and inflationary cost pressures that are forecasted to continue,” he said.

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Former Atlanta police officer says insurance won’t care for wife

They paid into the insurance for years, now this former APD officer says they won

Jack Redlinger’s wife was hospitalized after being diagnosed with coronavirus.

ATLANTA — A law enforcement officer who has spent his whole life helping others says he needs help now to get his wife the care she needs.

Jack Redlinger was an officer with the Atlanta Police Department for 20 years before he retired.

As part of his service, he and his wife are able to stay on the city’s health insurance plan and keep paying into it. Now, he says the city is refusing to step in when he and his wife need their help.

“I’ve been married to her for 32 years. I know my wife better than anybody,” he said.

Jack Redlinger says his wife Michelle is the best person he knows.

“She’s easy to get along with, she loves everybody,” he said.

She runs a successful business, raised two daughters, and has always been independent, he added. It’s her current condition that’s drawing concern.

“I’m not used to seeing my wife like this,” he said.

Michelle caught COVID-19 at the end of December and spent 45 days in the hospital.

When she was finally released, Jack wanted her to go to an acute rehab facility but says their insurance insisted she go to a nursing home instead.

“She’s been there just laying in a bed for three weeks, accomplishing absolutely nothing and she’s just deteriorating,” he said.

They have health insurance through the City of Atlanta from Jack’s service with APD. The Redlingers kept that insurance even after he retired and took on a new job. After paying into the insurance all these years, they’ve yet to help him deal with his wife’s post-COVID diagnosis, he said.

“When they need you, they need you, but when you’re done they just discard you and you’re gone,” he said.

Jack said the city told him it would review Michelle’s claim weeks ago but it hasn’t been addressed.

“He said, ‘send me the paperwork,'” he said. “I sent him all the letters from the hospital, saying she needs acute rehab, the insurance letter, Blue Cross Blue Shield letter.”

Jack said he sent over a list of documents, but now he says he can’t get a callback.

“The money is more important than my wife living I guess, I don’t know. It’s very disheartening to sit here and watch my wife,” he said. “It’s hard. It’s hard to go there, it’s hard to go see her, but when I’m there I don’t want to leave.”

A spokesperson for the city of Atlanta told 11Alive they couldn’t comment on the manner, issuing the statement below:

“Although this is a matter between the Redlingers and the insurance provider, the City has attempted to assist with finding a resolution. Further comment would venture into medical matters which are private and not subject to public disclosure.”

A spokesperson for Anthem Blue Cross Blue Shield says they are looking into the claim but did not provide a timeline.

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Economic Shocks From Ukraine Invasion Fallout to Pressure Global Insurance Industry

Business Wire

LONDON, February 25, 2022–(BUSINESS WIRE)–AM Best believes that Russia’s invasion of Ukraine likely will impact the global insurance industry substantially in the near to midterm, particularly given the significant fallout in the capital markets and potential for widespread cyber attacks.

In its Best’s Commentary, “Significant Implications of Ukraine Invasion on Global Insurance Industry,” AM Best notes that invasion has had an immediate negative impact on the stock markets worldwide; continued volatility remains likely, challenging efforts by the global central banks and the US Federal Reserve to contain inflation. In addition, sanctions against Russia may have severe knock-on effects not just on oil and commodity prices, but also tourism, as well as the economies of some of the world’s less resilient countries. “Further sanctions may impact the ability of international insurers and reinsurers to underwrite Russian risks or make it more difficult for them to service claims on existing policies,” said Anna Sheremeteva, financial analyst, AM Best. “Most affected would be those writing large energy and infrastructure risks, such as London Market insurers, and international reinsurers.”

“Sanctions also will affect the balance sheets of Russian insurers and their relationships with international partners,” said Todor Kitin, financial analyst, AM Best. “The valuation of investments would be affected by a prolonged equity market downturn, any increase in the Russian Central Bank’s policy rate or a widening of credit spreads. On the other side of the balance sheet, higher-than-anticipated inflation would impact claims costs , with potential implications for the adequacy of reserves.”

Additionally, the impact of an escalating global conflict may increase the risk of a systemic cyber attack and cause substantial economic and insured losses. Heightened risk perception could lead to higher prices in an already hardening cyber market.

To access the full copy of this commentary, please visit http://www3.ambest.com/bestweek/purchase.asp?record_code=317816.

AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com.

Copyright © 2022 by AM Best Rating Services, Inc. and/or its affiliates. ALL RIGHTS RESERVED.

View source version on businesswire.com: https://www.businesswire.com/news/home/20220225005553/en/


Anna Sheremeteva
Financial Analyst
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Christopher Sharkey
Manager, Public Relations
+1 908 439 2200, ext. 5159
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Todor Kitin
Financial Analyst
+44 20 7676 6264
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Jim Peavy
Director, Communications
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Ann Modica
Associate Director, Credit Rating Criteria,
Research and Analytics
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Five Important Factors Analyzed by Car Insurance Companies That Can Make Premiums Expensive

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LOS ANGELES (PRWEB) February 25, 2022

Drivers who own a car have numerous responsibilities. Besides carefully driving the vehicle to avoid any potential collision, drivers are also responsible to purchase car insurance. The price of car insurance is determined after the car insurance company has analyzed multiple factors. Some of the factors have a greater impact than others on the final price of an insurance policy.

The following factors can make car insurance expensive:

  • The type of car. Drivers who own expensive limos, SUVs, muscle cars, or hypercars should not be surprised if they are paying more on their insurance premiums. Expensive cars are expensive to repair. Also, newer vehicles are more expensive to insure. Policyholders who want to save money on car insurance should get insurance for family cars that have high safety ratings.

  • The age of the vehicle. Even if they are not luxurious models, newer vehicles are more expensive to insure. New vehicles are manufactured with better materials and have the latest auto technology. For these reasons, newer vehicles cost more to insure. Drivers who want to get insurance for a particular type of vehicle should try to purchase an older model in order to save money.
  • Driving record. The driving record of a policyholder is the most important factor analyzed by insurers. Drivers who have multiple traffic tickets, at-fault accidents, or DUI incidents in their driving records will pay more on car insurance. In some cases, the insurers can cancel the policies of drivers who got involved in accidents or DUI incidents.
  • Workplace. Insurance companies will be interested if a policyholder is using his vehicle to commute to work and how far is the workplace from home. Policyholders who are working in a place that is far from home will be charged more on car insurance. Insurers consider that drivers who spend more time on the roads are more likely to be involved in car accidents.
  • The policy itself. Policyholders who apply for high coverage limits, additional options, and extra coverage will pay higher insurance premiums. Drivers can customize an insurance policy how they want in order to have the coverage they need and they can afford.

For additional info, money-saving tips and free car insurance quotes, visit http://compare-autoinsurance.org


Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand name insurance companies, etc.

Read the full story at https://www.prweb.com/releases/five_important_factors_analyzed_by_car_insurance_companies_that_can_make_premiums_expensive/prweb18521408.htm

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Tom Girardi’s Life Insurance Policies Seized Amid Bankruptcy Case

Erika Jayne Tom Girardi RHOBH Real Housewives Of Beverly Hills-4

Keeping up with Tom Girardi and Erika Jayne’s legal woes is a tough job because rarely does a day go by where one of them isn’t involved in something new. If the sun is in the sky, then you can count on Erika and Tom to be named in a new lawsuit or legal action. One day, you hear that a case is being dismissed, and then the next day — surprise! It’s being refiled in another state. Now, the latest detail emerging from this neverending saga involves Tom Girardi’s life insurance policies being seized in an attempt to recoup some of the millions of dollars he owes.

According to a report by Radar Onlinethe trustee over Tom’s bankruptcy case has asked the courts to sixteen the 82-year old’s insurance policies in exchange for cash. Allegedly, there are two life insurance policies up for grabs, one for $36,848.41 and another for $48,493.45.

Radar Online’s report says that the insurance company holding the policies has already agreed to turn over the funds once the judge signs off on it. So once it’s signed, they’ll use that life insurance money to pay towards Tom’s enormous debt.

In total, they’re getting $85,341.86 from seizing Tom’s life insurance. That’s a lot of money for the average Joe, but for “rich people,” that’s not a lot. Think about it. This cash would hardly cover two months of Erika’s glam for The Real Housewives of Beverly Hillsand that’s not even calculating for inflation.

RELATED: Erika Jayne Named In New $1.2 Million Lawsuit Against Estranged Husband Tom Girardi

This life insurance money also just doesn’t seem like much compared to the total amount he owes. tom owes $101 million to train partners, clients, orphans, and widows. It just makes you sick. But on the other hand, when you owe that much money, every penny counts. So, they’re leaving no stone left unturned to try to make a dent in this debt.

They’ve auctioned off knick-knacks from Tom’s old law office, and they’ve been attempting to get Erika to turn over a pair of $1.4 million earrings. Then, of course, there’s the infamous $25 million lawsuit against Erika that she wants the courts to toss out. It’s a lot, but hopefully, the victims are taken care of once all of this is said and done. That’s the most important part.

RELATED: Erika Jayne’s Estranged Husband Tom Girardi Owes $3.7 Million To The IRS


[Photo Credit: Bravo]

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How Can You Fight a Homeowners Insurance Claim Denial in Oklahoma?

How Can You Fight a Homeowners Insurance Claim Denial in Oklahoma?

If your lawyer discovers that your claim was wrongfully denied, you have good grounds to file a bad faith lawsuit.

Homeowners insurance is meant to protect your home against all sorts of perils, but when a legitimate claim is denied you’ll be left without the money you so badly need for the repair bills. You may feel powerless, but you are not. All you need is a good Oklahoma homeowners insurance claim denial lawyer to remind your insurer of its duty towards you.

The moment you sign the insurance policy, it becomes a binding contract. You have a duty to pay your premium in a timely manner, while the insurer has a duty to cover all the damages caused by an insured risk. If the insurer wrongfully denies your claim, that is a breach of contract and you have the right to sue them for acting in bad faith.

Common insurance claim denial reasons in Oklahoma

When an insurance company is trying to avoid its legal obligation to pay you damages, one of the most common reasons invoked is lack of coverage. In other words, you thought your home was protected against a certain type of damage, but the insurance company says no, this particular type of risk is not included in your policy. In some cases this is true and perhaps you should have paid more attention to the fine print.

However, this lack of coverage can be conveniently invoked whenever it suits them. Nationwide, the most common type of homeowners insurance claims concern wind damage. As anybody knows, high winds usually come with torrential downpours. When you present your claim you will legitimately include all the damages caused by the rain coming in through the torn roof. Yet, do not be surprised if the insurance adjuster tells you that your standard insurance doesn’t cover flooding. Useless to tell them there was no flooding, only the rain associated with the wind. This is not actually lack of coverage, but a blatant misinterpretation of the facts and an experienced insurance claims denial lawyer in Oklahoma City can easily prepare a bad faith lawsuit.

EF4 tornado damage in Lee County, Alabama, on March 3rd, 2019. Public domain image by the US National Weather Service, courtesy of Wikimedia Commons.

Another common pretext used to deny a legitimate claim is filing errors. The company might claim you did not submit the required documents to prove your damages were caused by an insured risk. Truth is insurers are very creative when it comes to inventing more and more documents that you need to submit. If your house was badly damaged and you’ll be asking for a lot of money, it would be wise to involve a knowledgeable insurance claims lawyer from the very beginning to avoid unnecessary delays.

What can you do if your home insurance claim was denied?

Receiving a letter of denial can be disheartening, but you should know this is not the end of it. You have the right to appeal their decision. Sometimes, all it takes is submitting yet more documents to substantiate your claim. Or you can get a tough lawyer to handle the negotiations for you.

If your lawyer discovers that your claim was wrongfully denied, you have good grounds to file a bad faith lawsuit. At this point, you will be surprised that the company is suddenly willing to settle. That’s because there have been legal precedents in Oklahoma when insurers caught using dishonest practices were ordered to pay 6-figure punitive damages.

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What to know about workers’ compensation insurance for small business owners | Latest Headlines

 What to know about workers' compensation insurance for small business owners |  News

Small business owners play a vital role in the US economy. As of 2019, small businesses generated about 44% of the US economic activity—employing nearly every type of worker in every type of industry, from construction and restaurants to insurance, marketing, and media. But while small businesses are a lifeline for the economy, owning a small business can come at a high cost. From the initial investment to the ongoing costs, there can be big bills to cover as a small business owner—and one of those hefty bills is for workers’ compensation insurance.

Workers’ compensation insurance can help cover employee costs for injuries that occur while on the job—and also helps protect the employer from being sued by the employee if they receive compensation from this type of coverage. The requirement to carry this type of coverage first started in the US in 1911 in the state of Wisconsin with the Wisconsin Workmen’s Compensation Act. Prior to the passage of this act, injured workers were forced to prove the injury occurred because their employer was negligent, placing the burden on the employee to defend. But the Workmen’s Compensation Act created a “no-fault” system that did not require injured workers to prove that an employer was negligent in order to receive benefits.

Wisconsin was just the first state to employ such a system, and shortly after the state created its workers’ compensation program, nine other states followed suit. By 1937, workers’ compensation programs were a requirement in every state nationwide—and that remains true even today. While there are certain exclusions, workers’ compensation coverage is generally required of nearly every type of business in every state across the country. Healthy employees are important to a productive business, and both workers and employers have benefited greatly from these programs over the last century.

These programs aren’t always cut and dry, though. In fact, they can be confusing, as the requirements and exclusions vary from state to state and region to region. Simply Business compiled a list of eight tips for small business owners thinking about workers’ compensation. Keep reading to learn just how these programs can work and what small businesses need to know about them.


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Tips for Handling a Homeowners Insurance Claim in Oregon

House on top of overturned vehicle; image by John Middelkoop, via Unsplash.com.

Most Oregon homeowners sleep easy at night knowing that their most important asset, their house, is well-protected by their insurance and they will be compensated for any damages. The forecast predicts high winds over the next few days? No problem, even if the roof gets blown away, the insurance company will cover your repair bills. That’s how things are supposed to work, but when you file a claim you will discover that your insurer is looking for pretexts to deny you claim or to minimize the value of your damages. In such a case, better not waste any time. Talk to a smart homeowners insurance claim denial lawyer in Oregon and let them conduct the negotiations with your insurer.

What to do when your house is damaged by an insured peril

Notify the company

First things first. Your policy probably includes a requirement that you notify the company of the unfortunate event within 24 hours. Make sure to call them or send an email as soon as possible as failure to notify the insurer in due time can be used as a reason to deny your claim.

Document the damages

You should take pictures or videos of the damage caused by wind, a storm or a fire. If your neighbors or other eyewitnesses took photos or videos of the event, these could also be used as evidence to support your claim.

Be careful what you say

House on top of overturned vehicle; image by John Middelkoop, via Unsplash.com.

When you talk to your insurance agent, limit the conversation to the bare facts. Whatever you say can and will be used against you when it comes to settling your claim. If your house was flooded or gutted by fire, you’ll probably be in a state of shock and you might say things you don’t actually mean. Bear in mind that any innocent comment you make may be used as a reason to deny your claim.

For instance, if your roof was torn by wind you should never say that you were just thinking about replacing the shingles. The insurance company will have reason to claim you failed in your duty to undertake necessary repairs to the property. The wind wouldn’t have caused such damages had the roof been fixed, so you are not entitled to any damages. It’s all your fault.

get a lawyer

If your house has sustained significant damage, expect problems with the insurance company. Talk to a knowledgeable home insurance claim denial lawyer in Portland and let them assist with filing the documents required by your insurer. Any error can be used as a pretext to deny your claim.

Also, a lawyer with plenty of expertise in this field can put you in touch with an independent insurance adjuster. Insurance companies use their own adjusters to evaluate the damages and their estimate may be significantly lower than the true extent of the damages.

Don’t negotiate with the insurer alone

As a rule, never accept the first offer the insurer makes. They may be trying to lowball you knowing you’re hard-pressed for money and you might be tempted to accept whatever sum they put on the table. A seasoned lawyer is better qualified to negotiate with the insurance company as they can counter whatever arguments they use to devalue your homeowners insurance claim.

Should your claim be wrongfully denied, your lawyer can help you file an appeal with the insurer or take them to court for breach of contract.

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