Insurance Disputes
What Is an Examination Under Oath?
An examination under oath, or an EUO, is something that an insurance policy gives the insurance carrier the right to do. It gives them the ability to investigate your claim, where they’re going to sit down, most likely with a lawyer. That lawyer for the insurance company’s going to ask a series of questions to…
Read MoreIssues that Arise with Contents Coverage
Contents coverage brings with it several issues that seem to arise. Number one is the inventory. The insurance company will inevitably ask the insurer to write out what they have and what they had at the time of the loss, and place a value on it and approximate the age. Oftentimes, the insurance company doesn’t…
Read MoreImportance of Having a Qualified Lawyer Review Your Policy
The only way to know what coverages you have are to read your policy. If you’re like me, nobody wants to actually sit down and read an insurance policy. I wouldn’t if it was my own personal home, but because I know about all of the problems that my clients have had – hundreds and…
Read MoreWater Damage and Tennessee Insurance Claims
Water damage is a leading cause of property damage claims, right behind fire damage. It can be caused by a burst pipe, a sprinkler systems malfunction, a tree limb that crashes through a window in a storm, water overflow from a neighbor’s property, and so on. The cost to repair the damage can be steep,…
Read MoreCan I Sue My Insurance Company if They Deny My Claim?
One of the questions we hear a lot from policyholders whose claims have been denied is, “Can I sue to recover my money?” The short answer to that question is “yes, but.” The simple truth is that many claim denials are appropriate, and in those cases any lawsuit that is filed would likely be unsuccessful.…
Read MoreWhat Does Homeowners’ Insurance Cover?
You buy homeowners’ insurance for the same reason you buy any kind of insurance policy: to protect you in the event of a misfortune of some kind. While there is no such thing as a “one size fits all” insurance policy, homeowners’ usually covers the following: Structural damage. First and foremost, your policy covers physical…
Read MoreWhat is a Proof of Loss?
One of the most often-overlooked pieces of the insurance claim process is the submission of a “proof of loss.” What is a proof of loss? It’s nothing more than a one-page document that, at the top, says “Sworn Statement in Proof of Loss,” and it is your claim. It is setting forth what you’re owed,…
Read MoreTypes of Insurance Coverage in Your Policy
Under a homeowner’s policy, there are multiple types of coverage that the policy provides. First is structure coverage; so, that is going to cover the home, for example, in a fire loss. Other structure coverage would be a detached garage that may also be damaged. There’s often debris removal coverage; coverage for trees, shrubs, etc.…
Read MoreMoving Forward After the Fires: What You Should Know about Making a Claim for Soot, Ash or Smoke Damage
On November 28, 2016, Gatlinburg and the surrounding areas experienced firsthand the devastation of the wildfires. The wildfires that ripped through the Smokies led to the deaths of 12 people, and injured almost 200 more. Close to 18,000 acres burned in two separate locations, and hundreds of people either lost their homes or businesses, or…
Read MoreHomeowner Headaches: When the Insurance Company Pushes Back on O & P
Let’s say that the worst has come to pass, and your home has sustained a significant amount of damage (as it would in a house fire). In order to make your home livable again, you need to hire a general contractor, who in turn is going to work with a plumber and an electrician in…
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