Has your valid insurance claim been denied? A Long Beach insurance attorney can help you put pressure on the insurance company.
Nobody wants to have to deal with insurance companies. That’s mostly because filing a claim is usually an indicator that something bad has happened, but it’s also due in part to the shady tactics most insurers employ when dealing with their faithful customers.
Unexplained denials, unreasonable delays, and unacceptable settlement offers are surprisingly common—and they’re all reasons to work with a Long Beach insurance lawyer. The right attorneys can take your case from hopeless to successful while you relax.
If you’re interested in working with an insurance attorney, get in touch with Haffner Law.
What to Do When Your Claim Is Denied
Your initial reaction to a claim denial letter from your insurance company might include anger, fear for your financial future, and a swirl of other emotions. This type of reaction is understandable. After all, you’ve paid your premiums every month—you deserve the insurance benefits you’ve purchased.
However, giving up after your initial claim has been denied is almost certainly going to leave you paying out of pocket to repair the damage. Instead, allow a Long Beach insurance claim denial lawyer to help you appeal the insurer’s denial.
Your attorney will gather evidence to prove the validity of your claim and scrutinize the insurer’s reasoning for denying your claim in the first place. After examining your situation, your lawyer may advise you that your insurance company is acting in bad faith.
Bad faith insurance practices include unfair claim denials, delays in payment, and unwillingness on your insurer’s part to investigate or negotiate your claim. Under California law, you can file a bad faith claim against your Long Beach insurer in situations like this.
Types of Long Beach Insurance Claims
Although most insurance companies provide essentially the same service—and employ the same unfair tactics when customers make claims—there are countless types of insurance. In the end, the outcome should be fair compensation for your Long Beach insurance claim, but the type of claim you’re making is going to matter as your lawyer builds your case.
The following are some common insurance claim types for which you may need the services of a Long Beach insurance claim attorney:
Homeowners Insurance
Your homeowners insurance policy can cover a wide variety of accidents and damage that can occur on your property. Slip-and-fall accidents, dog bites, property damage—most policies should cover you in these kinds of incidents.
Because homes are some of the largest purchases you’ll likely ever make, damage and accidents involving them tend to be incredibly expensive. The high price of Long Beach homeowners insurance claims is the primary motivation for insurers to avoid paying you.
Homeowners insurance companies are quick to look for minor details in your policy that could invalidate your eligibility for compensation. A qualified attorney can help you build a claim or appeal that the insurer won’t be able to poke holes in.
Flood Claims
Often separate from homeowners insurance, flood insurance should cover you in the event of water damage during flooding. This type of damage can lead to structural damage to your home, mold, and other pricey problems.
Because flooding tends to affect hundreds, if not thousands, of customers at the same time, insurance companies are often highly motivated to deny flood insurance claims. But the finances of the insurance company aren’t your problem, and you deserve the benefits you’ve paid for.
Fire Damage Claims
Fires can reduce homes and businesses to rubble in a matter of hours and render farmland and timberland useless. When homes aren’t completely destroyed by fire, the damage is often so severe that temporary relocation is an absolute necessity.
After a tragedy like a devastating house fire, you don’t need to waste time arguing with your insurance company. Your Long Beach insurance attorney will handle that part while you focus on rebuilding your life.
Auto Insurance Claims
Almost every driver has auto insurance, and an unbelievable number of auto insurance customers in Long Beach can relate to this common story: You’re in a wreck that isn’t your fault, and when you file a claim with your insurer, the company tries to blame you for your accident and reduce your compensation.
That’s not fair, and you shouldn’t have to put up with it. We’ll do our best to make sure you don’t have to.
Life Insurance
If your loved one paid life insurance premiums, he or she did so with the express wish that you would be financially secure in the event of his or her death. That wish should be honored, but many insurance companies apparently don’t see it that way.
Don’t be surprised when life insurance companies try to pick through every detail of your claim and your loved one’s passing to try to find a reason not to give you the compensation you’re owed. Whether your claim was denied or you’re experiencing an unreasonable delay in payment, a Long Beach life insurance lawyer with our firm can help you.
Negotiating a Fair Settlement
Victims of accidents and injuries usually have a pretty good idea of how much compensation they’re owed under the terms of their insurance policies. However, too many of those victims are shocked when they receive the offer from the insurance company.
Insurers are well-known for their lowball settlement offers. Unfortunately, they are trying to capitalize on the urgency of your financial situation. They’re betting you will accept a low offer instead of a fair offer because you need that money now—even if it’s going to leave you paying out of pocket in the near future.
Working with a Long Beach insurance settlement lawyer can expedite the negotiations with the insurance company to make sure your financial struggle doesn’t go on for any longer than it has to.
We’ll also do everything we can to make sure you’re fairly compensated. Sometimes, the simple act of getting an attorney involved in your case is enough to scare the insurance company into providing a fair settlement. Insurers know we won’t hesitate to take them to court, where they’ll likely have to pay a lot more if they lose.
Contact a Long Beach Insurance Attorney
Insurance is a large and complicated subject, and it’s a source of immense stress in many victims’ lives. But there’s a way to decrease that stress while also boosting your chance of receiving the insurance compensation you truly deserve.
Work with a Long Beach insurance lawyer at Haffner Law. Our experienced attorneys are more than prepared to guide your case to a successful conclusion. To schedule a free consultation, give our firm a call at 1-844-HAFFNER (423-3637) or head to the bottom of this page to fill out our online contact form.
