Even though insurance companies have a responsibility to pay out for valid claims from homeowners, we at Richard Palumbo LLC have seen time and again how insurance providers don’t always play by the rules. They get creative in how they interpret their own policies, play hardball, skimp on the payouts, or just don’t even do it.
What Is Home Insurance?
Homeowner’s insurance gives you financial protection for both your physical home and the personal property or belongings you have in it. The specific coverage ranges from one policy to the next, and even state to state.
Having said that, it typically covers replacements and repairs to damages from particular hazards, including theft or fire. It might even cover you if a visitor gets injured while in your home or if you accidentally damage the property of another person. In such cases, your insurance might provide you with lawyers for property damage defense.
What Does Homeowner’s Insurance Cover?
Policies vary, but standard contracts cover the physical structure of your home, your personal belongings, liability, and anything you need for extra living expenses. This typically covers theft, accidents, and disasters, but most policies don’t automatically cover routine wear and tear, earthquakes, or floods. Property insurance claim attorneys often have to fight insurance companies on the finer details of what specifically is and isn’t covered in determining valid claims.
How Can Lawyers Help?
An insurance attorney Rhode Island professional can help you if you’re having trouble with your own homeowner’s insurance policy provider. Lawyers don’t just help with claims being denied, as they can also help you if your claim is being stalled or lowballed.
If you’ve filed what you believe to be a valid claim or you have questions about one you might file, then contact us right away. We have extensive experience in securing better claim payouts and going to court when necessary to ensure you get the coverage you’ve paid for.