Chicago Business Litigation Lawyer Blog
Storms weather and can bring about the best and worst in people. When damage occurs, the test of resilience, character, friendship and trust are all evaluated. The process is not any easier when there is an Insurance company that one has to deal with and when there is the lurking possibility that they are handling thousands of claims at the same time. All damages are subject to scrutiny, including the damage that takes place after storms. Disputes arise in the context of property damage and to its extent. This firm is willing to assist as an All-American firm working for its citizens. In the doing of so, we write and will consider assistance via phone if necessary. Not all are easily able to navigate as emotions such as shock are still being overcome.
The competing interests that an insured and insurer have in the filing of a claim also makes it more painstakingly difficult. Some perceive the insurance claims process as adversarial. The insurance representative cannot guide to what is best in representation on the matter. This is since Insurance companies appear to be in a Business. As such, the expectation to be fairly compensated is questionable. While many pay on time and premiums it does not mean that what you give is what you will get back. At times, adjusters may become overwhelmed in working on multiple cases that are catastrophic in nature and make mistakes or overlook damage. That is why having an attorney best helps. For those reasons, we have compiled a list of items that should be attended prior to discussing a case with an attorney or Insurance company.
Please ensure compliance with the following:
- By making a timely reporting of claim, as a failure to do so may result in its denial. This can normally be done via phone or online. The claims process normally begins at this point: initial contact with the insurance company, an evaluation of your claim, negotiations, and a resolution/settlement. At this point, an adjuster is normally assigned.
- Documentation of all video and photos of the damage, if possible. It would even be better if those included prior and after. Possible electronic receipts of any purchases made.
- The obtaining of independent quotes by contractor receipts in putting a price on the extent of the loss. These may be challenged or questioned by the Insurance company, but are a good start and utilizing them may assist you in deciding whom you wish to use for the final repair. Sometimes, supplements are required for damage that is hidden. If disputed, the burden of proof can then move from the insurance company to the insured if the contractor estimate does not reflect the true damage sustained.