Springtime in Texas is often a welcome change! The weather is warmer, and more flowers bloom again with the rain. Although the showers bring this beautiful life back to Texas, they can also bring destruction for homeowners.
If your home has suffered rain damage, you’re probably working with your insurance company to get it repaired. Keep reading to get a better understanding of rain damage claims and how a McAllen insurance lawyer can help.
Your insurance company will cover certain types of rain damage, depending on how the rain entered your home. Most insurance companies stipulate that some kind of extreme weather condition must cause the rain to get into your house, causing damage inside your home.
For example, if your home has rain damage due to a flood in the area, it’s likely that your home insurance won’t cover the damages. However, if an ice dam were to fall on your roof and cause it to collapse, sending rain into your home, then it would probably be covered by insurance.
Since you can’t control the rain, you might think that most rain damage would be covered, but again, only some damage will be covered by your home insurance. Sometimes insurance companies can be quite stingy when it comes to what they will and won’t cover. Most basic home insurance policies cover the following types of rain damage:
While the process of filing a rain damage claim will vary depending on your insurance company and how they operate, the general process is usually similar:
Once rain makes its way into your home, the damage can be endless. As a homeowner, you may be dealing with mold, structural damage, and the loss of personal items inside your home. While many insurance companies may try to deny your claim, this doesn’t have to be the end for you.
At Millin & Millin, our team of experienced insurance lawyers knows the ins and outs of rain damage claims. If you’ve recently dealt with rain damage to your home, schedule a FREE evaluation today to get started on your case.
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If you’ve been living in Texas for a while, you know just how strong the wind can get. While it may not seem like a weather condition that can do a lot of damage, wind damage claims are the most common seen by homeowners in the U.S.
Continue reading to learn how to file an insurance claim for wind damage and how your bad faith insurance legal team can help.
For most home insurance policies, wind damage is any damage to the structure of your home caused by wind-related weather conditions. These conditions can include rain, thunderstorms, tornadoes, hailstorms, and hurricanes. Your home insurance policy may contain dwelling coverage that can pay for the repair or replacement of damages in your home. It’s important to note that each homeowner's insurance policy may vary depending on the state and insurance company, so you must review your policy before moving forward with a claim.
Because wind can be so unpredictable, the damage it causes to your house can vary in every circumstance. So now that you’re facing wind damage, you may wonder whether your home insurance will cover the damages. While you should always review your policy, the types of wind damage that home insurance may cover include:
Depending on your policy, you may get additional coverage for other damages caused by wind. If you’re unsure about your coverage or how your policy works, don’t be afraid to ask questions to better understand how you’re protected.
If you’ve recently had a severe weather event in your area, you may suspect damage to your home. While you should inspect each area and document any damages, don’t enter areas that could be dangerous to your health and safety. Once you’ve checked the area, take the following steps to file a claim:
Filing a claim can be overwhelming as you attempt to get the proper documentation and evidence for your insurance company. If you’re unsure how to file a claim properly, you may need the assistance of an attorney.
Wind can cause a great deal of damage to your home, leaving you with substantial repair and replacement costs. While your home insurance should cover some of the damages, you may have trouble with the claims process.
If you’re filing a wind damage insurance claim and are unsure what coverage you’ll receive, reach out to your bad faith insurance legal team of Millin & Millin today for a free case evaluation.
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The loss of property is an unfortunate circumstance that no policyholder wants to have to deal with. The only thing that can make it worse is to hear that your large-loss insurance claim has been denied.
If your claim is rejected, especially as a result of bad faith, you need to know who to turn to next.
The McAllen bad faith insurance lawyers at Millin & Millin are here to explain the steps you can follow to lower the possibility that your claim is denied by your insurer.
Understanding and taking your role as a policyholder seriously is vital to avoid a claims denial. By having a solid grasp of what your policy covers and does not, you’re more likely to prevent a denial in bad faith.
Follow these steps to correctly do your part:
The idea of losing something as important to you as a home or other large property is horrific, so to imagine your insurance company would take advantage of your situation and deny your insurance claim in bad faith is even more unthinkable. That’s why the bad faith insurance lawyers at Millin and Millin are here to help.
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Every day, millions of people receive the news that their bad faith insurance claims were denied for a variety of reasons. However, in many circumstances, those claims are rejected unfairly or incorrectly.
While they may sound like the same thing, denied insurance claims as a result of bad faith and breach of contract aren’t quite the same thing.
The bad faith insurance lawyers at Millin and Millin are here to clarify the difference as we help to fight for you regardless of the reason!
Insurance claims that are denied either in bad faith or through breach of contract generally depend on two key factors to be considered one or the other — reasoning and intent.
If an insurer attempts to or outright rejects a claim due to a dispute over the language in the contract, then you may have a breach of contract on your hands. However, if the insurance firm tries to deny the claim for malicious purposes outside of the contract’s language, you may have a potential bad faith situation.
General examples of a breach of contract include:
On the other hand, examples of bad faith include:
Whether your insurance claim was denied as a result of breach of contract or bad faith, you can rest assured that the bad faith insurance lawyers at Millin and Millin will fight for you. Call us to speak with an experienced and skilled attorney today!
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For as long as the insurance industry has existed, people have had their insurance claims denied. Unfortunately, in many cases, these claims were denied in an attempt to safeguard the insurance company’s profits rather than protect the claimant.
This is what insurance lawyers refer to as an insurance claim being denied “in bad faith.”
The bad faith insurance lawyers at Millin and Millin have helped many people who have had their claims denied unfairly. Let’s discuss how these professionals prove their case in a court of law.
When a lawyer is attempting to prove that an insurance claim was denied in bad faith, there is certain criteria that must be met and necessary evidence needed to back up any assertions of bad faith.
For it to hold up in a court of law, your bad faith insurance lawsuit must meet the following four conventions:
Now that you’ve established how bad faith is determined, you and your lawyer will then prove it. Useful evidence includes:
If your insurance claim has been denied and it seems completely unreasonable, there’s a chance you’ve become a victim of “bad faith.” The bad faith insurance lawyers at Millin and Millin have the knowledge to help you set things right!
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Property damage, whether it be to our valuables, cars, or in this case, homes, is something that most people have had to deal with in their lives.
However, if a natural disaster or other emergency causes damage to your home, it’s key to understand how to assess restoration costs.
The bad faith insurance lawyers at Millin & Millin are here to explain the process as well as be there for you if an insurance claim is filed but denied unjustly.
Disaster relief agencies are organizations trained to assess the damages caused by a variety of incidents and are instrumental when you work with your insurance company.
These agencies can:
After you’ve ensured the safety of everyone in the home and contacted emergency responders, it’s time to take the next steps in the restoration process.
A general step-by-step guide works like this:
Do NOT attempt to move or clean up the damage if you decide to file a claim, or the insurance company may blame you.
You should note that the amount you are compensated for depends on many factors, so keep this in mind if you file a claim.
These variables include:
If you don’t believe you were compensated fairly or your insurance claim was outright denied, that’s where Millin and Millin come in!
If the damage has been assessed correctly but your insurance claim was denied, it’s time to reach out to the professional bad faith insurance lawyers at Millin and Millin. Our team has years of experience and can make things right!
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Unfortunately, accidents happen and things don’t always go as planned. An insurance claim that's denied only adds to the frustration of an already difficult situation. People end up in predicaments like this all the time, but why and how?
While some claims are denied in bad faith, there are many reasons why a health insurance claim may be denied with just cause. The bad faith insurance lawyers at Millin & Millin are here to present these key factors so that you’re prepared no matter what.
Though the specific details of each case differ, there are a few reasons frequently cited which can cause someone’s health insurance claim to wind up denied. Let’s explore some of these in greater detail:
Of course, you’re always able to appeal, and the company must cover your medical expenses if you succeed. If bad faith is involved, you may need the help of legal counsel.
Take it from the professional bad faith insurance lawyers at Millin and Millin, it’s vital to know what you’re covered for and why insurance claims are denied. If you’ve been denied in bad faith, reach out to our office to take the first steps to set things right!
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Imagine a scenario in which your insurance claim is denied in bad faith, and the only remaining option is to file a lawsuit. Bad faith insurance lawyers can certainly help you go down this path, but you may have specific questions involving compensation for damages.
Many individuals in this type of situation may ask themselves, “What kinds of damages could be recovered in a bad faith insurance lawsuit?”
At Millin and Millin, we have years of experience handling insurance-related lawsuits and know exactly how to approach demanding legal situations. We understand all the various types of damages that can be accounted for in lawsuits and how to best recoup your losses.
Let’s examine a general guide on what damages may be recovered through legal action.
Generally, courts will calculate what damages are “worth” based on the losses of the plaintiff, which can range from a variety of costs. Sometimes, these charges relate to non-tangible aspects, such as emotional distress as opposed to loss of physical assets.
These are some of the damages a plaintiff can recover from a bad faith insurance lawsuit:
Additionally, there may be cases where the courts will call for punitive damages to be paid, which serve to discipline the defendant rather than aid the plaintiff. Because there’s a tall requirement for a plaintiff to get back punitive damages, this usually occurs only when the insurance company is grossly out-of-line or behaving intentionally malicious.
Courts will also consider a company’s overall wealth when they make judgments against them. This particular action works as a further deterrent to make sure the insurance company behaves ethically in the future.
It can be overwhelming when you try to understand the complexities of lawsuits regarding bad faith, but that’s why the experienced bad faith insurance lawyers at Millin and Millin are here to help. We want you to feel prepared and know the types of damages you may recover if your insurance claim is denied in bad faith!
Although there are many cases in which an insurance claim is denied in bad faith, there are also many instances in which the denial is valid. How will you know whether or not the decision was appropriate and ethical?
The bad faith insurance lawyers at Millin and Millin are professionals who can help you determine with certainty whether or not your claim was denied in bad faith. However, it’s important to have a general understanding of why and how an insurance company could potentially be allowed to deny your claim.
As stated above, not every disapproval of a claim is done in bad faith. Generally, you should not assume that unethical behavior took place just because your claim was denied. Additionally, there may be instances when there is more of a miscommunication than an outright act of bad faith.
To begin, here are some examples of when it’s reasonable for your insurance company to deny your claim:
For example, however, say there is fire damage in your kitchen, and you have a clause in your policy that accounts specifically for such damages. You submit a claim, but the insurance company is quoting a lower amount than what you feel the damages cost. In this instance, the insurance company could be acting in bad faith, especially if you are able to prove the fire cost you more than they will cover.
If you feel that your insurance company will not compensate you properly, it’s important to reach out to a bad faith insurance lawyer. While it may not be ideal, insurance companies are still businesses and therefore, seek to optimize profits.
In order to do that, some people’s claims are approved for less than requested or outright denied. This is why retaining legal counsel could help you save money in the long run.
For the average person, it can be difficult to tell if your insurance claim was denied in bad faith or not. We hope this guide has helped, but if you need additional support, the bad faith insurance lawyers at Millin and MIllin are always prepared to answer any questions you may have!
Your insurance claim has been denied and you’ve tried everything outside of legal action to get your problem resolved. At this point, you feel that the only recourse you have left is to file a lawsuit against your insurance company for acting in bad faith – so how do you go about accomplishing this?
Bad faith insurance lawyers, Millin and Millin, want to help you better understand the nuances of how to file a bad faith insurance lawsuit correctly. If you seek our help, you can rest assured that your claim will be legally disputed by a knowledgeable party.
Let’s discuss the details of filing a bad faith insurance lawsuit to see the best results.
First of all, it’s important to note that every state has its own set of laws enacted to protect consumers from predatory corporate behavior, such as acting in bad faith. Bad faith insurance lawyers, like those at Millin & Millin, will know the specifics of these sets of rules in order to best help you.
Additionally, your lawyer will help you make an informed decision as to whether you should file in state or federal court. This all depends on factors such as where the company is headquartered as well as your residential status in which you file.
The specific details will refer to issues such as:
Finally, it’s important to know that once you’ve hired a lawyer to handle your case, you should no longer contact the insurance company or have any direct dealings with them. It’s now your lawyer’s responsibility to act on your behalf and settle the issue in your favor.
If your insurance claim is denied and you believe it was in bad faith, you need to know how to best file a lawsuit. Bad faith insurance lawyers, Millin and Millin, are experienced when it comes to filing insurance lawsuits and can help you better understand your options.
