Not necessarily. If the claim process is proceeding smoothly with open and productive communication between the claimant and the insurer, then the claimant may stay the course. But a qualified attorney can help when the claimant feels:
- deadlocked with the insurer;
- unfairly treated by the insurer; or
- concerned about time passing and possibly losing her rights.
To assist the homeowner with the claim, the attorney will need a complete copy of the homeowner’s policy, including the "Declarations Page", and all "Endorsements" and "Riders". Generally, the Declarations Page is the first or second page of the policy which states the dollar limits for each category of coverage and lists the "extras" known as endorsements and riders. The endorsements and riders will be listed by a code number or letter, or combination thereof.
The attorney will also need a complete copy of the homeowner’s personal claim file, including all communications the homeowner has had with the insurer and any of its representatives.
If you’re not sure that you are being treated fairly and would like an attorney’s input, give us a call or send us an email.