Homeowners insurance is essential protection for one of your most important investments. You pay an expensive premium to your insurance carrier so that you are protected if your home is damaged and rightfully expect to receive proper compensation when you have coverage. Unfortunately, in some instances, your insurance company may not provide you with the compensation you are entitled to. While you should reasonably expect your insurance company to fully pay for the damage to your home, you may receive a payment that is far less than the amount of coverage you are entitled to. At worst, your insurance company may wrongfully deny your claim in its entirety.
A homeowners insurance policy is a contract between the insurance company and the policyholder that sets forth all of the rights and obligations of the parties in dealing with an insurance claim. Insurance policies are dense legal documents, packed with legal jargon that details what you have coverage for and what is "excluded" from coverage. Many people find their policy very difficult to make sense of and have a very hard time understanding when they are entitled to be paid and when they are not. Therefore, when your insurance company tells you that you have coverage for one thing but not another, or tells you that you don't have any coverage at all, it is critical to know whether the information you are being given is accurate. Unfortunately, many people wrongfully assume that their insurance company's interests are always aligned with their own and, therefore, simply accept their insurance company's determination as gospel, without questioning it or digging deeper. However, this assumption can have a detrimental impact on your recovery.
At HL Law Group, we can make sense of the confusion. We understand your insurance policy. We know the provisions being referenced in the letters from your insurance company that describe the coverage you have or denying you for coverage. We can help to equal the playing field and give you the information you need to understand your rights and obligations under the policy. Knowledge truly is power. When you have knowledge – in this case, an understanding of your rights in the policy as well as your insurance company's obligations - you now have the power to know what you are entitled to and can make informed decisions that are in your best interests. Let us help you by providing you with the clarity you need to make a smart, informed decision about whether you want to pursue your claim, and how best to proceed if you decide to move forward.
HL Law Group has helped a significant number of residential property owners promptly resolve their insurance claims and we have the experience to handle your claim, whether you have a straightforward property loss or a large, complex insurance matter. In addition, we have a significant amount of experience dealing with complex insurance claims relating to high-end residential properties. Our clients include high-end residential homeowners and investors that own condominiums, townhomes, single-family residences, and multi-unit residential properties. We have handled a multitude of losses, ranging from minor to severe damage, on claims caused by hurricanes and windstorms, fire, flood and water damage, among other causes of damage.
If you have a question about your insurance claim, whether relating to the coverage you have or about the information you received from your insurance carrier, feel free to call our office and speak with one of our attorneys. We would be happy to answer your questions and provide you with important information about your policy. More than a law firm, we are a legal resource for our clients.
OTHER INSURANCE CLAIMS
Having commercial property insurance coverage for your business is critical. HL Law Group is proud to have developed a reputation for efficiently resolving complex commercial insurance matters. We have the experience to handle any commercial insurance claim you encounter.
CARGO & SHIPPING
HL Law Group has the experience to represent large commercial shipping, distribution or logistics companies for whom the shipment of goods is an integral part of their business. If you experience damage to goods shipped for your business, large or small, straightforward or complex, we can help.
LUXURY & COMMERCIAL TRANSPORTATION
Our attorneys can act as counsel for commercial transportation carriers seeking compensation for property damage, whether in litigation or pre-suit through alternative dispute resolution, and we can represent you in cases ranging from complex, catastrophic losses to small property damage claims.
FINE ART, JEWELRY, ANTIQUES & COLLECTIBLES
HL Law Group has the experience, background and industry connections to art valuation experts who provide us with the information we need to properly value your loss and work to obtain full coverage under your policy. Whatever your treasured possession, we can assist you in ensuring that you receive the coverage you are entitled to.
INSURANCE BAD FAITH
If you have a valid insurance claim and you feel that the insurance company has treated you unfairly, then you may be entitled to recover for your claim as well as the additional damages resulting from the insurance carrier's bad-faith actions.
ERRORS & OMISSIONS
HL Law Group is proud to have developed a reputation for handling complex E&O insurance matters, whether the loss results from professional services rendered or occurs during the course of commercial relations.
Whether you have a standard Business Interruption policy, or a non-standard Event Cancellation policy, you must understand the terms of your policy so that you can determine the scope of coverage provided. HL Law Group has the experience to handle any business interruption insurance claim or event cancellation claim you may encounter.