Picture it: you drive to work, only to discover that your thriving business has suddenly disappeared – into a sinkhole. What is the first thing you do? Call your insurance broker of course. Having appropriate insurance is part and parcel of owning a business. You expect that they will cover you in instances like this – property damage resulting from a natural disaster, business interruption, or builder’s risk. The last thing you can afford is any kind of delay; or worse, denial of claim.
One, two, three
When reading your insurance policy as a legal contract, “first party” is the term used for the insured. The “second party” refers to the insurance company, but it is an industry quirk that this term is seldom used. Anyone who is neither the insured nor the insurer is referred to as the “third party”.
So, for example, if one of your customers has a slip and fall on your premises, they would have a third party claim. However, if you have suffered a loss of your own property, your claim would be described as a first party claim.
Salt in the wound
If you have experienced some type of property loss, being paid out is top priority. There are often delays in decisions and action, unreasonable valuations, or coverage disputes.
A court case is a headache: expensive, and time-consuming. Ideally your insurance lawyer will aim to collect your insurance without the need to litigate. Insurance attorneys evaluate your situation, working towards a swift resolution.
Be honest and give the correct information to the insurer.
Fill in the claim form yourself rather assigning it to a staff member.
Draw a line across any space left after filling in the form.
Scan a copy of the documents
Read all the terms and conditions in fine detail.
Conduct thorough research before selecting an insurance company.
Don’t decide in haste. Do ask for clarification.
Tackle the paperwork – time delays can cause a claim rejection.
It can be quite frustrating, not to mention costly, when insurance contracts go wrong. It might feel like the end of the road, but there are literally hundreds of insurance declaratory judgment and breach of contract actions in progress across the USA at any given time. With the help of the right insurance lawyer, you will be able to take the matter further and expect success. More importantly, an experienced insurance attorney will be able to advise you on the various options available to you, so that you can make an educated decision on how to proceed.
Whether your claim is related to small business insurance or personal insurance, your dedicated insurance attorney should be able to assist you to resolve the matter efficiently and effectively, without drawing the process out. A professional business attorney or insurance attorney should be able to help you with the following types of claims:
Fire damage, explosions, water losses, construction defects, boiler and machinery failures, and inland marine losses, which fall under subrogation claims.
Commercial general liability.
Employment practice liability.
Liability for pollution.
Professional errors and omissions.
Improper performance of duties claims.
Assistance with insurance claims provided by Schleifman Law
We are a law firm experienced in handling a variety of complex insurance cases. We have represented policyholders and insurers and have in-depth knowledge required to provide litigation, arbitration, mediation and negotiation assistance, to quickly and efficiently get to the bottom of claims and ensure they are fairly and legally resolved.
At Schleifman Law, we have over 25 years experience in the field of insurance law and will ensure your case is handled with the professionalism and attention to detail that it deserves. For more information and advice on the insurance claims we can assist you with, contact us via email or telephone at Schleifman Law today.
Attorney Richard Paxton was really awesome! He represented my daughter’s accident injury claim. With great success we were compensated for medical, personal injury, and lost wages! I would recommend Attorney Paxton if your I’m need of a dependable, available attorney who will always be a phone call away!
~ Rashunda G.
Mr. Paxton recently represented me in a very complex case. He was everything I was looking for in an attorney. He is very responsive, has substantive knowledge and expertise, and always displays a client first attitude. On a personal note, I enjoyed working with you on my case. At the end of the day, you have earned my most enthusiastic recommendation.
~ Michael A.
Mr. Paxton kept me informed about my case every step of the way. I knew what to expect all the way through, which took a lot of stress out of my life. He was very aggressive with the insurance company and never gave up, which led to a fantastic outcome in my case.
~ Jeremy H.
Richard and his staff exceeded all of my expectations I had about my case. They left no stone unturned, which allowed me to go about my daily activities without worrying about my case. Their professionalism and personal touch were a welcome comfort during that time of my life. I highly recommend The Paxton Law Firm.
~ Frank M.
Mr. Paxton’s aggressive, determined, and thorough representation was a major factor in winning my case. His confidence and attention to detail was comforting for my family and me through the whole process. We can now put that stress behind us and move on with our lives. I’m grateful and forever indebted to Mr. Paxton for the great service he provided me.