You paid premiums for years; when you file a claim, the insurer owes you a prompt, fair investigation and payment of what the policy covers. When companies lowball roof and water damage, deny life or disability benefits on technicalities or stall for months, state law often allows extra damages and attorney’s fees for bad faith. An insurance lawyer reads the policy, documents the loss and makes the carrier pay.
What a insurance claim lawyer does
- Reviews the policy, denial letter and adjuster’s file
- Hires independent adjusters, engineers and physicians to document the loss
- Invokes appraisal, files suit and pursues bad-faith penalties
- Handles ERISA appeals for employer-provided disability and life coverage
When you need a insurance claim lawyer
- A storm, fire or water claim was denied or paid far below repair estimates
- A life insurance claim was denied for “misrepresentation” on the application
- Long-term disability benefits were cut off
- The insurer has gone silent for months
Questions to ask before you hire a insurance claim lawyer
- Does my state allow bad-faith damages and attorney’s fees?
- Is this an ERISA plan with special appeal deadlines?
- Should we demand appraisal before suing?
- How do you charge — contingency on the recovery above what they offered?
Find a insurance claim lawyer near you
Choose your state to see listed firms and the official bar directory for verifying any lawyer’s license.
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