Home insurance attorney is one of the best policies to ensure the safety of your home. Whether you’re building, remodeling, or trying to protect your home from natural disasters, it can be difficult to know where to turn and how to ensure that you have everything covered when it comes to your home insurance policy. That’s why you need an attorney on your side! For more information about how an attorney can help you with your home insurance policy, keep reading.
How a policy can be invalidated
When a policy is invalidated, it can no longer be enforced by your insurance company. The most common reason for a policy to be invalidated is non-payment of premiums. Non-payment of premiums may occur due to forgetfulness, or as a result of not being able to pay them. In either case, if you fail to pay your premium when it’s due and don’t tell your insurance company about it, your policy will be considered invalidated. When a policy has been declared invalid, if you later try to make a claim on it, your insurance company won’t have to honor that claim since there was never actually an enforceable contract between you and them in place at any point during its term. This means they won’t have to cover anything related to your claim. In addition, they might choose to charge you penalties and interest on top of that, which would further reduce your payout amount. If you aren’t sure whether or not your home insurance policy is still valid, contact your agent right away so they can help you figure out what happened with it. It might just be a simple mistake that needs rectifying before it becomes something much more serious.
Getting Legal Advice from an Attorney
If you’re looking for help figuring out what kind of home insurance policy you need, it can be helpful to speak with a professional. There are quite a few different types of home insurance policies and they vary based on where you live and your level of risk; if you live in an area prone to wildfires or earthquakes, for example, your policy may differ from someone living in a hurricane-prone area. The best way to make sure that your property will be protected if disaster strikes is to have some help determining what type of coverage you need—so that’s exactly why it can pay off to get legal advice. Home insurance attorneys understand how policies work and how things play out should something go wrong. You don’t want any surprises when damage occurs!
Getting Claims Help from a Lawyer
You need to contact your home insurance attorney right away if you have a claim, or even if you think you might have a claim. A home insurance attorney may help get your claim approved by your insurance company and ensure that they pay what they owe. Even though most claims are relatively minor, some can cause extensive damage and cost tens of thousands of dollars to repair or replace, so it’s important to speak with an attorney before signing any agreements with your insurance company. And it’s particularly important for older homes as well as homes that were built in ways that weren’t as safe—such as having cinderblock foundations. If you live in one of these homes, you should definitely talk to a home insurance attorney.
Getting Legal Help if Your Claim is Denied
While it’s true that home insurance claims can be costly and time-consuming, you shouldn’t have to worry about getting denied. But if you do find yourself in that situation, there are a few steps you can take. One of those steps could include hiring a professional legal aid attorney. Many people wonder if they should get legal help when they are dealing with their insurance company. The short answer? Absolutely! Get in touch with us at Legacy Law and we will walk you through every step of your case so that it goes smoothly and successfully for you. Your current insurance company won’t do that for you, but we will!
Not all Law Firms are Created Equal
Did you know that homeowners and renters insurance policies typically cover personal possessions only up to a certain dollar amount? That means any item worth more than, say, $10,000 isn’t covered by your standard policy. Luckily, you can add on coverage for high-value items (think jewelry or a fancy camera) for less than a dollar per day. A specialty insurance agent like Katie Doyle will be able to tell you if it makes sense for your specific situation; just have her add on more coverage during your quote process. And don’t forget to ask about other valuable services like identity theft protection!
Lawyers Protect You 24/7
Let’s say you’re in a car accident or your home is damaged. How do you know if it’s covered? If a natural disaster strikes, will your home make it through? Being able to answer these questions at any time of day can help you sleep soundly at night—and if you have a lawyer, those are worries of yesteryear. An attorney from Hickman, Cerra & Righter knows what constitutes property damage and can tell you whether your insurance policy covers damage caused by storms and other disasters. Some states require homeowners to have specific types of insurance before they purchase coverage; others allow homeowners to choose their own policies as long as they meet certain requirements set forth by state law. Most people don’t need special insurance for their homes, but if you live in a flood zone or near earthquake fault lines, you may want additional protection. In that case, there are various kinds of flood and earthquake insurance available to protect your home against these risks. Your attorney can provide advice on which policies might be best for your situation. For example, some flood-insurance plans cover only structural damage while others cover everything inside your house. And while we hope that nothing bad ever happens to our homes, having good legal representation is always smart.