Take Your Time When Purchasing Property Insurance
Why It’s Important To Take Your Time When Purchasing Property Insurance

When you see a doctor, you expect that they will take their time to do their job and understand the need for your visit. When investing money in a business opportunity, you would want to review all available information to make the best decision for your money. The same may be said when taking your car into the shop. When purchasing a service, the reason for your visit is more important than how fast you get the service. Learn how to make your property insurance purchase a smooth transaction.

More insurance carriers are making it easier for first-time homeowners to get home insurance. Obtaining property insurance expeditiously is important. Larger insurance companies can move quickly when it comes to purchasing insurance and smaller insurance companies are following the trend. What is the best insurance and what can you do to avoid making a mistake when purchasing it?

Choosing the Right Coverage

The most important thing in any business is to provide excellent customer service. This includes ensuring that the policyholder has all necessary coverages and not just encouraging them with products they will never use or be able to afford.

When an insurance provider rushes through the purchasing process without thoroughly understanding their customer’s needs, they’re harming not only themselves but also other parties involved in this transaction. By focusing on profits instead of getting to know your clientele and what coverages are needed for them – you hurt everyone who has been relying upon these policies!

A company should never sacrifice its morals just because it wants more customers or greater profit margins; doing so will only come back around at some point anyway with negative consequences that could’ve easily been avoided by taking care beforehand.

Homeowner’s insurance or any type of insurance for that matter is a serious subject. Inadequate coverage can result in financial catastrophe. Insurance companies are in the business of making money, they cannot increase their profits if they roll over and pay every insurance claim. Viewing insurance as a simple means to make money is wrong. People need insurance. People need to be protected.

Choosing the right coverage goes hand in hand with finding the right agent for you and your needs. Insurance can be a confusing topic for the average person, but there are ways to find affordable coverage. Your agent is someone you should contact if anything happens with your policy – they’re in the know and will help make sure that nothing gets left uncovered or unpaid!

Filing a Claim

When filing a claim, customers want to know that their insurer will be able to provide tangible evidence of coverage. We need this assurance before putting any money at risk and without it, we feel uncertain about what kind or how much help is available for an event that has occurred while using their product/service.

If you do not have the right insurance, you could find yourself in a significant financial hole. A thoughtful conversation with an insurance agent can help you avoid these errors.

Take Your Time to Find the Right Agent

Good Insurance agents often face a challenging environment where they must balance the needs of their customers with those companies. Insurance leaders who put profit ahead of customer service will struggle in this competitive market, as knowledgeable and trustworthy professionals like insurance brokers can provide better quality products for clients.

Insurance agents are often expected to spend very little time with their customers, but the best ones understand that every second counts. They know it’s not just about making sales or finding new clients; they need customer input and guidance so insurance products can be tailored specifically for them – which is why we find this situation ironic!

The bottom line is you need to take this important purchase seriously and find an agent that takes the time to find YOU out what you need.

If your property insurance claim has been denied, delayed, or underpaid, contact the expert insurance attorneys with the Chad T. Wilson Law Firm at (833)942-0678 or email us at [email protected].

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Attorney Patrick McGinnis Talks Winning Claims On ‘The Legal Fix’ Radio Show

Chad T. Wilson Law Firm Attorney, Patrick McGinnis, was a special guest on The Legal Fix radio show last month where he talked about winning denied insurance claims. Has your insurance company unfairly denied your property damage claim? If so, contact us today for a free case review. You may be entitled to compensation.

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Houston Lawyers Sue Liberty Insurance

Our client, a woman whose home was damaged in a severe storm, recently filed a lawsuit against Liberty Insurance Corporation and its adjuster. Liberty conducted a substandard and improper inspection of our client’s property. They grossly undervalued the cost of repairs and deliberately yielded an unrealistic amount to underpay coverage.

April 27, 2016 Storm

On April 27, 2016, a wind and hailstorm blew through Harris County, tearing through neighborhoods as it went. Our client’s Houston home sustained extensive damage to the exterior, as well as to the electrical and air conditioning systems. After the storm, she promptly submitted a claim to Liberty, hoping her insurance company would help her repair her home.

Liberty Insurance Corporation Home Insurance Claim

Liberty assigned one of its adjusters to inspect the property and adjust the claim. The adjuster knowingly conducted a subpar investigation, refusing coverage. This left our client with zero recovery necessary to make repairs to her home.

The third-party expert hired after the insurance company’s negligent inspection found a litany of damages that Liberty’s adjuster conveniently left out or undervalued in his estimate.

The third party adjuster estimated the real damage to our client’s home at $28,000.

Liberty’s adjuster intentionally undervalued our client’s claims in order to maintain his job. He misrepresented the amount of damage, hoping our client would simply rely on his expertise and fraudulent estimate as a true representation of the property’s damages.

Liberty Insurance Corporation’s fraud forced our client to retain an attorney, just so she could get her roof repaired. On January 16, 2017, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Liberty Insurance Corporation. The firm is suing for fraud, breach of contract, gross negligence, and violations of the Texas Insurance Code and the Texas DTPA.

Houston Property Insurance Lawyers

If your homeowner insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies and aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until we win your case. Contact us today to see how we can help.

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Our client, a liquor store in Colorado, was recently forced to file a lawsuit against Auto-Owners Insurance Company and its adjusters. The store suffered extensive damages when a severe storm passed through Highlands Ranch, Colorado in September 2014. After the hail had passed, our client found themselves in a storm of Auto-Owner’s fraud and deceit.

September 29, 2014 Storm

On September 29, 2014, a severe wind and hailstorm bombarded Douglas County, Colorado, tearing through neighborhoods and destroying homes and businesses as it went. Our client became one of the storm’s many victims when the torrential hail damaged the property. After the storm, the store submitted a claim to Auto-Owners, hoping it would help it get back in business.

Auto-Owners Insurance Company Property Insurance Claim

Auto-Owners hired Monaco Adjusters, which then assigned an agent to adjust the claim. The adjusters estimated the damages to be around $31,000.

But, after applying depreciation and the policy deductible, the store received $13,300. Damages to the liquor store are currently estimated at more than $577,000. They received less than 3 percent of what they were owed based on their policy.

Due to Auto-Owners’s breach of contract, our client was unable to complete any meaningful repairs to the building. They were forced to retain an attorney to pursue their claim for insurance benefits. On September 29, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Auto-Owners Insurance Company for breach of contract, bad faith breach of insurance contract, and statuary bad faith.

Colorado Property Insurance Lawyers

If your homeowner insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies and aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.

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Dallas Apartment Complex Sues Scottsdale Insurance Company for Incompetence

Our client, an apartment complex, was recently forced to file a lawsuit against Scottsdale Insurance Company and its adjusters. The complex suffered extensive damages when a severe storm passed through Dallas, Texas in March 2013. After the hail had passed, our client found themselves in a storm of Scottsdale’s fraud and deceit.

March 9, 2013 Storm

On March 9, 2013, a severe wind and hailstorm bombarded Dallas County, Texas, tearing through neighborhoods and destroying homes as it went. Our client became one of the storm’s many victims when every roof in the complex was damaged. After the storm, the complex submitted a claim to Scottsdale, hoping it would help take care of its residents’ homes.

Scottsdale Insurance Company Property Insurance Claim

Scottsdale hired Wardlaw Claims Service LLC, which then assigned an agent to adjust the claim. The adjusters estimated the damages to be around $240,000 and authorized the replacement of all nine of the property’s roofs.

But, when it came time to apply the deductible, Scottsdale got caught double dipping. According to the complex’s policy, the deductible for the claim would be $57,572. According to the adjusters, who either negligently or deliberately misconstrued the policy, the deductible would be $25,000 per building, for a $225,000 total deductible.

Because of Wardlaw’s and its agent’s incompetence, our client was paid only 16 percent of what they were owed.

Due to Scottsdale’s fraud, our client was unable to complete any meaningful repairs to the apartment buildings. They were forced to retain an attorney to pursue their claim for insurance benefits. On August 18, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Scottsdale Insurance Company and Wardlaw Claims Service LLC for fraud, breach of contract, negligence, gross negligence and violations of the Texas Insurance Code and the Texas DTPA.

Texas Property Insurance Lawyers

If your homeowner insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies and aggressively protect the rights of insurance policyholders throughout Texas. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.

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Client Sues Nationwide for Fraud

Our client, a homeowner’s association in Harris County, sues Nationwide Property and Casualty Insurance and its adjusters after they conducted a substandard and improper inspection of our client’s 26 properties, yielding grossly inaccurate and unrealistic assessments of the cause, extent and dollar amount of damage to underpay coverage.

April 19, 2015 Hailstorm

On April 19, 2015, a severe hail and windstorm swept across Spring, Texas, leaving damage and destruction in its wake. Our client was no exception. Its homes suffered significant damage, including damage to the roofing, windows, doors, electrical systems, stucco and trimming, among other damages. After the storm, the homeowner’s association submitted a claim to Nationwide, hoping to repair its homes so its residents could get their lives back.

Nationwide Property and Casualty Company Home Insurance Claim

Nationwide assigned one of its adjusters to inspect the property and adjust the claim. The adjuster knowingly conducted a subpar investigation, initially denying any damage and refusing full coverage. After a second inspection, she conveniently found that 15 of the 26 properties suffered the exact same damage: each property had precisely 1/4 of a roof square’s worth of damage. All of the estimated damages outlined by the adjuster amounted to $1,273 per property, leaving our client without recovery to repair the homes.

Three months after the initial inspection, Nationwide transferred the case from the first adjuster to a second. Our client’s third-party expert asked the new adjuster to reinspect the property, but the adjuster declined, suggesting that any additional damage they might find would still not meet the deductible. This adjuster subsequently denied two more re-inspection requests from our client.

The third-party expert hired after the insurance company’s inspection, or lack thereof, found a myriad of damages — that were conveniently absent from Nationwide’s inspection — totaling more than $826,500.

Nationwide’s adjusters intentionally undervalued our client’s claims in order to maintain their jobs, misrepresenting the amount of damage in the hopes that our client would simply rely on their expertise and fraudulent estimate as a true representation of the property’s damages.

Because of Nationwide Property and Casualty Company’s gross negligence and fraud, our client was unable to complete any substantive repairs to its property, which resulted in even more damage. It was forced to retain an attorney to prosecute its claim for insurance benefits. On July 27, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Nationwide Property and Casualty Company for fraud, breach of contract, and violations of the Texas Insurance Code and the Texas DTPA.

Texas Property Insurance Lawyers

If your homeowner insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies and aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.

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GuideOne Insurance Fraud of Biblical Proportions

On Halloween, 2015, the skies darkened, lightning illuminated the sky, and thunder clapped in a cacophonous foretelling of the truly terrifying night and days ahead.

In an almost storybook turn of events, the storm whipped around a church in Silsbee, Texas, leaving a trail of destruction in its wake.

Once the storms passed, the church, our client, immediately filed a claim with its property insurance company, GuideOne, asking them to pay for the damages so that the congregation wouldn’t have to worship in a swamp.

GuideOne hired an adjuster to inspect the church and assess the damage. The inspector, acting as though the results of the inspection were pre-determined, spent roughly 10-15 minutes on the roof, the most damaged area, interspersing the actual inspection with personal calls. He found that there were no covered damages to the church, therefore denying their claim and leaving them with no recovery to make repairs to the house of God.

So, our client hired an expert, who conducted an unbiased inspection and found a myriad of damages that GuideOne’s adjuster had left off, resulting in more than $253,250 worth of damages to the structure. Seeing that they were owed substantial damages, despite GuideOne’s grossly unreasonable, intentional, and reckless failure to investigate and adjust the claim properly, the client promptly sought out the Chad T. Wilson Law Firm to help them obtain the recovery they deserved.

On Monday, June 13, 2016, the Chad T. Wilson Law Firm filed suit against GuideOne Mutual Insurance Company in Hardin County, Texas, for fraud, breach of contract, violations of the Texas Insurance Code and Texas DTPA, and wrongfully denying our client coverage under their policy.

Through its adjuster, GuideOne conducted a substandard and improper inspection of the clients’ property, which grossly undervalued the cost of repairs in its estimate and yielded an unrealistic amount to underpay coverage. GuideOne unreasonably adjusted our client’s claim, misrepresenting the cause of, scope of, and cost to repair damages to the property.

Because of GuideOne’s misrepresentations, our client was forced to hire an attorney to file a lawsuit for insurance benefits.

If your property insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies and aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.

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