Homeowners

Denied Homeowners' Insurance Claims

Most homeowners have insurance that covers the structure and contents of their house. They believe that having this insurance coverage will protect them in the event of a disaster, such as fire or earthquake. They assume that they will be able to rebuild the house and replace their personal property.

Experienced insurance coverage lawyers who can help homeowners

Too often, these assumptions are proven wrong when the insurance carrier denies or underpays the homeowner's claim. At Surrano Law Offices in Phoenix, Arizona, our attorneys help people get the coverage they have paid for. If your homeowners' insurance carrier denied your claim, contact us to learn about your options. Call us at (877) 288-8230. Let us put our more than 25 years of experience to work for you.

Homeowners' claims are often met with offers below assessed value

Property damage claims are typically underpaid by insurance companies. The adjuster will offer an amount that is less than the assessed value of the building. The homeowner has few options--he or she cannot live in a roofless house while fighting the insurance company--and often accepts the inadequate offer. The insurance company counts on this.

Insurance companies often rewrite the homeowners' policy on the fly

In addition to making inadequate settlement offers, insurance companies often require documentation that is not listed in the policy. For example, policyholders filing personal property claims are often told that they need to produce a sales receipt to verify the ownership and value of the items. This is the case even when the policy specifies that an affidavit can be used to confirm ownership and value. Because few people save sales receipts, insurance carriers may wrongly deny many personal property claims.

This kind of action on the part of the insurer is essentially rewriting the policy after the fact. Another example is the denial of coverage for premises liability matters. When your dog bites the mail carrier or your aunt falls off the porch, you expect your homeowners' insurance to cover those events. When the carrier denies claims like these, you may have an insurance bad faith case.

Attorneys who can fight for your homeowners' insurance benefits

Our lawyers can help homeowners who find themselves in situations like these. Insurance companies count on individual homeowners not wanting to fight the company's well-financed defense. With our attorneys on your side, you are sending a message that you expect to receive the benefits you paid for with your homeowners' insurance premiums and that you are willing to fight. To learn how we can help you after your homeowners' insurance company denied or underpaid your claim, contact our law office.

Serving clients throughout Arizona and the United States with insurance bad faith lawsuits