Frequently Asked Insurance Questions
Should I trust my insurance company?
No, in my experience your insurance company and its insurance claims adjuster will push you to use their estimates, their contractors, and accept their numbers.
What is the first thing I should do after damage is done to my property?
The first thing to do is notify your insurance company. Next, start documenting everything. Assume you will face an insurance dispute. Make lists of all damage and take digital photographs of everything.
Do I have to take what my insurance company offers?
No. Everything is negotiable. This website is filled with useful tools and products to make sure your claim is dealt with fairly.
Why don’t I have enough insurance for my claim?
There is a huge difference between market value i.e. what your home will sell for, and replacement cost value (RCV), which is what it will take to repair or rebuild a damaged or destroyed property. Most people think that a market value amount of insurance is adequate. In reality, tearing down an old structure and rebuilding it is much more expensive. We have a number of useful tools and products in this website which can help you make sure you have enough insurance.
Why can’t my agent help me with my claim?
Your agent does not work for your insurance company. If there is an insurance dispute or an insurance denial your agent can do nothing. (Please see the materials on this website for more info.) Your insurance agent can only sell you insurance. Your agent is probably an independent contractor licensed to sell your company’s policies. Once you have an insurance claim, the agent is out of the picture.
What should I do if I am injured in an accident?
If you have been injured in an accident caused by someone else, please call our firm.
We will be happy to schedule a free consultation with you at your convenience so that we may learn about your case and so that you may learn about how we may be able to help you. If we are retained as your lawyers, we will represent you on a contingency fee basis. This means that you will not owe us any fees unless and until we recover for you.