Conte Law Firm, LLC of Providence fights to get homeowners what’s fair in compensation for damages and losses. We also get aggressive when residential insurance providers try to delay or deny support. Contact us to talk to a real lawyer in a free consultation to determine your best options before or after filing a claim.
Do I Need a Lawyer When Filing a Claim with My Homeowner’s Insurance Provider?
Homeowners and property owners who have their personal property devastated by fire or weather damage must be able to depend on a fast response from insurers. That response should include enough in support to cover any hardships the policyholder endures.
Unfortunately, insurance adjusters often waste time looking for ways to avoid liability or limit support instead of helping victims in need.
These are just a few of the circumstances that might mean you’ll secure more with the help of a Rhode Island Insurance Claims Lawyer:
- You are worried you won’t receive full compensation from the homeowners insurance provider
- You feel you aren’t receiving fair treatment from the residential insurance provider
- An insurance adjuster has underreported the “scope of loss” to your property
- An insurer delays responding to or settling your case
- An insurer underpays you for your property damage claim
- An insurer denies your claim unfairly
- An insurer tells you that you aren’t covered for certain damages when you feel you are
- An insurer tries to blame you for the damage to your property
Our skilled lawyers also go over the fine print in your policy if an adjuster denies your claim based on terms that may or may not exist in your contract. We’ll tell you when you have benefits guaranteed in your policy that an insurer hasn’t mentioned.
If you find yourself in any of these situations, it’s a great time to take advantage of a free case review with a Providence Residential Insurance Claims Lawyer.
The Types of Homeowner’s Insurance Claims We Help Clients Win
Homeowners and property owners can lose everything in the blink of an eye. Disasters caused by Mother Nature, or fires caused by defective products might lead to a loss of cherished or essential possessions and leave victims without a place to live.
Victims will be left vulnerable and relying on an insurance company for reassurance and support is often a bad idea. Victims are often made to wait weeks without updates on their claims. They may have no idea when they’ll get the funds to repair and rebuild. Homeowners insurance companies are businesses that seek to protect their profits, and that can leave victims in jeopardy.
Conte Law Firm, LLC is committed to assisting property damage victims and seeing that their rights are respected. These are just a few of the types of claims we represent clients for:
- Fire damage (structure damage, smoke & soot damage, etc.)
- Storm damage (wind, lightning, ice, hail, snow, hurricane, nor’easter damage, etc.)
- Water damage
- Mold damage
- Burglary
- Vandalism
These types of risks are why property owners pay their insurance premiums. Yet, when they finally need that protection, insurers can leave victims without the care they thought they could count on.
Our lawyers go to work to help your family get a fast response after a frightening mishap or disaster. We also ensure you receive all the support promised in insurance policies.
What Kind of Support Should I Expect in a Rhode Island Property Insurance Claim?
Your lawyer fully investigates your damage and the immediate consequences you’ve suffered. The hardships you’ll face in the coming months must also be part of any insurance settlement.
When your case is ready, your attorney files it on your behalf, letting you focus on rebuilding your life. Conte Law Firm, LLC also has the experience to know when insurance adjusters are purposely delaying their payment of your claim or when they are trying to get you to accept a “lowball” settlement offer. We reject those offers and demand more.
Your attorney makes sure every hardship you and your family have endured is included in your claim. This ensures the insurance company can’t ignore any damage and leave it for you to pay.
These are just a few of the damages that your lawyer will make sure are considered when the size of your settlement check is determined:
- Repairs to home and other structures
- Replacement of home and other structures
- Replacement of possessions
- Money to repair or replace damage to a neighbor’s house
- Liability coverage in case someone is injured on your property
- Some policies offer help with living expenses when you can’t return to a damaged home
Homeowners insurance companies like to convince victims they aren’t covered for certain accidents and disasters. Our lawyers get to the truth of what’s included in a policy to make sure you are getting the full coverage you’ve paid for.
What Can a Lawyer Do for Me if I’m Not Being Treated Fairly by Rhode Island Homeowner’s Insurance Providers?
Your lawyer takes immediate action if you feel your insurance provider is engaging in any of these unfair practices:
- Delaying your insurance money
- Offering you too little for your damages
- Rejects your claim without proper cause
- Acts in bad faith
An insurer “acting in bad faith” might purposely misrepresent the terms of your policy. Bad faith could take the form of insurance companies refusing to legally defend you properly in a personal injury case. It can be a common tactic such as purposely downplaying the damages you’ve suffered as an excuse to pay you as little as possible.
Our lawyers are skilled at contacting insurers directly and speaking with someone who makes the actual decisions regarding your coverage and compensation. We utilize the powerful evidence we collect to pressure residential insurance providers to accept full responsibility and make prompt.
We can also contact Rhode Island’s Division of Insurance to file a complaint against an insurance company acting in bad faith. Our lawyers can also help you decide if you should file a lawsuit against an insurance provider to force fair treatment.
Contact a Providence Homeowner’s Insurance Claims Lawyer
If you have experienced a denied or underpaid insurance claim or suspect your insurance company has acted in bad faith, don’t hesitate to contact Conte Law Firm, LLC for a free consultation. There’s no-obligation and it’s a no-risk way to find out about options you may not have been informed of.
Our dedicated team is here to help you fight for your rights and secure the compensation an insurance company agreed to pay you.
