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January 2020 Archives

Insurance company denied claim for squirrel damage

Buying a homeowners insurance policy is just smart when buying a home. Not only do these policies provide financial coverage for damage to a home, but they also give homeowners a much needed sense of security. If anything goes wrong, they have their insurance policies to fall back on. Unfortunately, insurance companies frequently exclude common sources of damage either explicitly or with broad, confusing terms, so when purchasing coverage, a Washington homeowner should be sure to familiarize him or herself with the policy. This can be helpful when there is a denied claim for something that should be covered.

Insurance law helps policyholders fight denied claims

It often feels like insurance companies deny claims without really considering the real life policyholders who submit them. Prioritizing profits over people just seems like an industry standard. But just because it is the standard does not mean that it is right. When an insurer violates the terms of an insurance policy by denying a valid claim, insurance law gives people in Washington the option to sue.

Insurance law: How to approach homeowners insurance claims

It is impossible to anticipate whether a storm, fire or other disaster will damage or even destroy a home. Homeowners insurance coverage provides a sense of relief to most people because they know there is help should something happen to their homes. Unfortunately, insurance law makes this more complicated than it has to be. Insurance companies are often quick to deny claims they believe are not sufficiently justified or documented. Here are a few things Washington homeowners can do to better demonstrate the validity of their claims.

Insurance law allows exclusions in life insurance policies

Reading the fine print of a life insurance policy is a good idea because it often spells out important details that can affect the rights of beneficiaries. Those details in one's policy may specify the exclusions, which are the circumstances under which the insurer can refuse to pay benefits. Understanding this critical element of insurance law can help Washington policyholders avoid leaving their loved ones with an uncertain future.

How are homeowners associations and insurance law connected?

When purchasing a house, some people purposely seek out neighborhoods with homeowners associations. Others may prefer to settle down somewhere without an HOA, but limited housing opportunities in some areas of Washington might make it impossible to do so. In either situation, homeowners may need a more thorough understanding of how HOA bylaws and insurance law interacts.