Monthly Archives: February 2022

homeowner claims lawyer rosemary beach

Homeowners Insurance Claims

Home insurance claims are denied for a number of reasons.  It is important to be familiar with the legalities involved in filing an insurance claim, beyond just your homeowner's policy. This article discusses the most common reasons why home insurance claims are denied, and how you can safeguard yourself before making that filing.

– Most homeowners are not cognizant of the laws covering filing an insurance claim.  The most common reason for a home insurance claim denial is that your policy specifically states you cannot file the claim if you have any outstanding balances with your insurer.


For example, if you filed a home insurance claim for hail damage on your roof and then submitted a homeowner's insurance claim for a broken air conditioner just one month later, the insurer would likely deny your homeowner's claim. The fact that you have an unpaid bill with them would trigger this rule in your policy.  This is why it is so imperative to read over all of the fine print associated with any policy you are considering purchasing before signing on the dotted line.

Other common situations in which insurers deny homeowner insurance claims include filing a claim with another insurer, making false statements on an application, and receiving restitution for damages (unless your policy specifically states this is allowed).


Even when you follow all of these rules outlined by your policy's fine print, there are many instances in which your claim may still be denied. There are numerous variables that go into any homeowner's insurance policy, which can greatly influence whether or not you will receive compensation for your loss.  These factors include things like the status of your hazard mitigation system (such as whether or not you have storm shutters or a reinforced roof), how much rain fell in your area, whether you are located in a flood zone, where your home is relative to the nearest body of water, and how much insurance coverage you have.


Even if you are following all of the rules outlined in your policy's fine print, there are still many ways that insurers deny homeowner insurance claims.  The variables that go into your insurance policy are too numerous to accurately predict whether or not your claim will be approved.

– After filing a home insurance claim, the next step is to provide all of the requested documentation by phone or fax within ten business days after filing. This includes any receipts for repairs, invoices, estimates, and photographs.  If you are unable to meet this deadline, your claim will likely be denied.


Many people have trouble understanding the facts surrounding a semi-truck accident, and that is one reason why they might not understand how long it will take to settle their case. A semi-truck accident attorney can help you navigate through this process, but here are some facts about settling your case which you should know upfront:

Trucking companies have insurance coverage specifically for semi-truck accidents, and that means you will have a lot of negotiating power on your side. You can hire an attorney to help you liaise with the insurance company, or do it yourself if you are comfortable navigating this area. It usually takes up to six months for your case to be settled after an accident involving a semi-truck, but some cases might take longer than that. 


It is important to know this information because you will likely need money for things like medical bills and hiring experts for your case, but you will also need some of this money upfront. It can be helpful to use cash advances or loans if you are able to get them until your settlement is final.


The amount you get in a settlement will depend on the severity of your injuries, so it's important to keep that in mind when negotiating with the insurance company. You should also think about hiring an attorney if you are unable to settle your case for more than three months after the accident. This is because some attorneys who represent victims of semi-truck accidents receive an hourly fee for their services, which means you will have to pay them each time they work on your case.

If you are in the process of settling a semi-truck accident case, consult with a New Mexico trucking company liability lawyer right away. They can help you navigate this very complex process and be your ally throughout.


About Law Office of Samuel I. Kane P.A. is a Personal Injury Attorney serving clients in Albuquerque, New Mexico. Having worked with many clients in the area, he has developed an understanding of how injuries can affect you and your family in unexpected ways. If you have been in an accident due to another party's negligence, contact him today for truly aggressive representation with a proven track record.

Auto Accident Attorneys in Fort Mill

Having your car accident in Fort Mill leaves you with many questions. Once the police report is filed, you are faced with immediate bills related to car repairs or medical expenses. You may not have time to figure out how to pay for private health care when your injuries keep you from work.

The Fort Mill car accident attorneys at David W. Martin Law Group are ready to help you understand your rights after Fort Mill car accidents. Every Fort Mill accident is unique and having legal advice early can help you file the right claims in order to get back on track with your life. We will discuss all of the Fort Mill personal injury options available to you during a free consultation so that we can assure you that you are getting the Fort Mill car accident settlement that you deserve."

"Car accident Fort Mill claims are not easy to understand on your own. Fort Mill car accident attorneys are available to discuss your Fort Mill personal injury claims. We have over 30 years of Fort Mill car accident experience so call us today."


"We offer free consultations for Fort Mill car accidents, Fort Mill motorcycle accidents, Fort Mill bicycle accidents, Fort Mill truck accidents, Fort Mill 18-wheeler accidents, Fort Mill bus accidents, and Fort Mill train accidents. We work on contingency which means that if we do not get you any money then there is no fee."