picture of an insurance adjuster to illustrate the concept of a home insurance dispute

North Alabama Insurance Claim Lawyers Battle Insurance Companies

Homeowners and businesses take out insurance policies to protect their property. If disaster strikes, these policies are supposed to pay to repair or replace the value of the property. However, some insurance companies may misinterpret policies or claims to minimize payouts, causing devasting financial consequences to the policy holder.

At Beard & Beard, we keep insurance companies accountable to their insured. We have extensive experience working with clients whose claims have been wrongly denied.

Common Types of Insurance Claims

Some of the most common types of claims are for damages caused by:

  • Hurricane
  • Tornado
  • Storm
  • Wind
  • Flood
  • Hail
  • Wildfire
  • Earthquake
  • Fire
  • Smoke
  • Water
  • Theft
  • Vandalism
  • Loss
  • Inverse condemnation
  • Mold

Beard & Beard’s personal injury lawyers are experienced at pursuing insurance claims for a variety of different causes. They can assist you with every aspect of your claim.

How an Insurance Claim Lawyer Can Help

In most situations, an insurance claim lawyer is contacted after a claim is denied. The first step that your lawyer will take is to review your policy to determine your coverage and required payments your carrier is supposed to provide.

Next, they will also review the denial letter and explain the rationale the insurance company is using for its denial.

Your insurance claim lawyer may conduct an investigation into your claim. Your lawyer can review relevant documents, including previous home inspections, inventories, surveillance footage, medical reports and police reports. This investigation can help identify documents and information that can help support your claim.

Experienced insurance claim attorneys know that insurance companies are for-profit businesses. Their interest is to avoid paying on claims or minimizing the payout so that they can be as profitable as possible.

They may claim that you intentionally caused damage or that some other exceptions were present in order to avoid honoring the claim. For example, you may make a claim for hail damage that was caused by a recent storm, but the insurance company may allege that the damage was due to normal wear and tear or your neglect to replace the roof sooner.

However, insurance companies owe a legal duty to their insured. If they wrongly deny a claim, your lawyer can determine if there is an additional cause of action that you can make against your insurance claim for conducting bad faith practices.

Beard & Beard can handle communication with the insurance company so that you do not have to deal with this frustrating aspect of the claim. You will have the peace of mind of knowing that a professional is on your side.

Contact an Insurance Claim Lawyer

If you need help with your claim, the experienced Guntersville attorneys at Beard & Beard can help. They have more than 45 years of experience that they will put to use for your claim.

You pay for insurance so that costly repairs can be handled by the insurance company. They will fight to ensure that your insurance carrier honors their contract with you.

Contact Beard & Beard online or call us at (256) 582-3189 to schedule a confidential and complimentary consultation with an experienced Alabama insurance claim lawyer.


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