The Law Office of Attorney Gordon E. Feener provides legal assistance to homeowners, property owners, and business owners in seeking a fair recovery from their insurance company.
Recovering on unpaid or over-due homeowner claims is a serious and important matter. It is important that you ask yourself the following questions:
- Has your insurance claim been paid?
- Has your insurance company made a fair offer of settlement?
- How long has your insurance claim been open?
- Is your insurance company communicating with you?
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In summary, a homeowners insurance policy is a contract between a homeowner and insurance company that protects a homeowner when their home is damaged and/or destroyed.
Depending upon the type of policy in place, the insurance company, upon the presentation of damage, will verify the claim, put a value on the damage and pay the homeowner the amount necessary to repair and/or replace the damage subject to the policy deductible and any applicable limitation and/or exclusion.
Insurance companies have a duty of good faith and fair dealing and when they don’t deal fairly with the policyholder, the policyholder/homeowner has a right to sue the insurance company for acting in “bad faith”.
Insurance companies have an obligation to respond to a claim within a reasonable time, and they have the obligation to reasonably communicate with the policyholder/homeowner and not to deny a homeowner claim without a proper investigation.