Confused by insurance law? Companies use that to their advantage

Even though you reviewed your homeowners’ insurance policy before signing anything, it is entirely possible that you are still not totally sure what all is covered. This is actually not uncommon, so you should not be embarrassed about getting help understanding your coverage details from someone who is familiar with insurance law. In fact, it is especially important to do just that if your homeowners’ insurance denied what you think was a valid claim.

Whether you made a claim for damaged or completely destroyed areas of your home, you should receive compensation for repairs or replacements as covered by your policy. However, insurance companies know that many policy holders do not fully understand their coverage. This is not an accident. Insurance companies frequently use dense language and legal jargon when writing policies, making it difficult for anyone to really understand what is going on. If you do not fully know your coverage, you cannot accurately dispute a denial.

There are many ways that your insurance company might try to either deny, delay or inadequately compensate your claim. For example, companies use complicated formulas to determine what benefits you should get. Finding errors in those formulas are easy to miss. There is also a big difference between the costs for repairs versus guaranteed replacements, and you could be given the wrong benefits by mistake.

You were responsible enough to purchase homeowners’ insurance. But now that you need to use the coverage you have been paying for, the insurance company is refusing to cooperate. They may be counting on the likelihood that you are not very familiar with insurance law. If that is the case, you should be sure to visit our website where you can find out more information for homeowners in Washington.

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LePley Law Firm
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Bellevue, Wash 98006

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