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Insurance law: Can my insurance company really deny my claim?

Paying insurance premiums is not always fun or even easy, but most people in Washington understand how important it is to have coverage for unexpected life events. People trust that their insurance companies will cover their claims when needed and are surprised when they are denied. It is very possible that a company might deny a valid claim, but insurance law is complicated, and few people understand their rights in this type of situation.

Understanding why your medical claim may have been denied

If you have been injured in an accident in Washington and have unsuccessfully tried to negotiate a settlement with your insurance company, it can be disheartening and discouraging. While you are fighting to heal and focus on your recovery, you are also trying to manage the financial impact all by yourself. At Lepley Law Firm, we understand the challenges that you may be facing in your effort to have your medial claim approved. 

What do I do next if I am denied Social Security Disability?

The Social Security Disability program exists to help financially support those who have long-term or permanent disabilities that prevent them from working. That said, being approved for disability benefits can be a grueling process that often ends in a denial. What can you and other Washington residents do if you are denied your disability claim?

Evaluating homeowner's insurance options

If you are buying a home in Washington State, you know that your mortgage lender will require you to carry a homeowner's insurance policy. However, before you blindly just pick the one with the lowest price or accept the minimum terms required by your bank, you should understand how to truly protect yourself with this type of insurance. 

How quickly should you file a home insurance claim?

Bellevue homeowners like you pay for homeowners insurance with the notion that if something goes wrong, insurance will cover it for you. Unfortunately, that isn't always the case. We at LePley Law Firm are here today to discuss some of the reasons as to why it is important to file quickly for insurance claims.

Does homeowner's insurance cover earthquakes?

Though the most famous may be located in California, fault lines run throughout the Pacific Northwest. This means that earthquakes could strike at any time. However, if you own property in Washington, you may not feel overly concerned about the possibility, trusting in your homeowner's insurance to protect your investment.

Are you eligible for unemployment insurance?

Are you a resident of Bellevue who has suddenly found yourself in a situation where you lack the income that you rely on to make a living? If so, you may be wondering what your financial options are. In this scenario, it's important to understand whether or not you are eligible for unemployment compensation, otherwise known as unemployment insurance (UI).

What to do after buying a new home insurance policy

There are many reasons why a homeowner in Washington state may wish to obtain a new insurance policy on his or her property. Perhaps there is a better price available. Perhaps the current insurer engages in practices or espouses politics that the homeowner finds morally objectionable. Insurance is, of course, a necessity for any homeowner who pays a mortgage. However, while the mortgage lender can require a  customer to carry insurance, it is up to the customer to decide from which insurer to buy. This means the homeowner is at liberty to obtain a new insurance policy on his or her property as desired. 

Avoiding underpayment for your homeowner’s insurance claim

When something goes wrong in your Washington home, you may have faith that your homeowner’s insurance company will cover the damage so that you can fix things and get back to life as you know it. At the Lepley Law Firm, we understand that insurance companies are for-profit entities, and that, at the end of the day, their goal is typically to pay out as little as they possibly can for your claim.