If you have filed a claim with your homeowner insurance carrier and it has been denied or not been honored fully then you need an Alabama homeowners claims attorney. We work hard to get results for our clients, let us work for you.
What’s the Difference Between Liability Insurance and Property Insurance?
Homeowners insurance policies primarily contain both liability insurance and property insurance. The liability portion of the policy covers claims that may be made against you for situations, such as if your dog injures another party or someone is injured on your property. In this situation, your insurance carrier, under the terms of your policy, is required to provide a legal defense for you and provide coverage for you up to your policy limits. However, sometimes the insurance company fails to defend the homeowner or fails to provide coverage primarily centering around a policy exclusion. If this has occurred to you, then please contact a Mobile, Alabama homeowners claims attorney at Moore Law Firm to discuss the possibility of bringing a bad faith breach of contract lawsuit against your insurance carrier.
What Types of Claims Can I File?
Most disputes arise over delayed, denied or unpaid claims for property damage. These claims can arise from the following situations:
- Hail Damage
- Tornado Damage
- Hurricane Damage
- Wind Damage
- Flood Damage
- Fire Damage
- Theft and Damage due to Vandalism
- Increased Construction Costs/ Replacement Costs
What Should I Do If My Claim Has Been Denied?
In these situations, many homeowners are shocked with the realization that when they need their insurance company the most, they are not there for them. Insurance companies can deny the whole claim or can tell you that they will only honor a portion of the repairs or damage. If you are faced with a situation where your insurance company has denied a homeowner claim, has declined to reimburse you for a valid cost or has disagreed with you on the value of the lost or damaged property then you need an Alabama homeowners claims attorney.
Contact Moore Law Firm Today
Moore Law Firm has provided quality legal assistance to families since 1985. Attorneys Stephen C. Moore and Frederick J. Moore III will work on your behalf to get you covered under your homeowner’s policy and hold your insurance company responsible. Contact us today for a free consultation.