Law offices of
Israa Zaher
Toll Free 1-877-271-0131
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The Loss Notice
When an insured incurs a loss, the policy requires that notice be given to the insurer. The insured reports the loss directly to the insurer or to his insurance agent or broker who reports the loss to the insurer. The insured's report is then written in a document called a "Loss Notice." It is the Loss Notice that starts the claims investigation.
This is one of the most important documents the adjuster will see. It is the starting point of all liability claims. It tells the adjuster:
when the loss occurred;
the type of coverage the insured purchased;
the type of loss;
the insured's name, address, and telephone number;
the agent's name and address;
the location of the loss;
who to contact and how to contact him or her (this section will usually give the name, address, and telephone number of the insured, the claimant, and any independent witnesses known to the insured);
identification of the claimant and the injuries to the person or property claimed; and
whether there is anything that should be given special attention, such as if the claimant is hospitalized, or the adjuster needs an interpreter.
From this basic information, the adjuster can prepare to meet the insured and the claimant.
If your residential or commercial property is damaged or destroyed and you decide to file a claim with your insurance company, be prepared to spend a lot of time and energy on the entire claims process. You will be asked to list and describe everything that you lost and the cost to replace or repair those items. Most people do not realize that is takes a lot of effort. This is a crucial process to the claim, also known as “documenting a claim,” but you will not get paid the money you are entitled to until you do so. Once you have finished that process you must begin negotiations with your insurance company or the chances of you getting what you are entitled to get smaller and smaller.
Coverage Analysis and Litigation
The attorneys have a great deal of experience analyzing insurance claims and providing its insurer clients with advice on covered and uncovered claims.
Our experience in insurance coverage and litigation, includes, but is not limited to the following:
Bad faith claims
Bad Faith Insurance Company Fraud:
Denied homeowner's insurance claim
Denied auto insurance policy claim
Partial claim denial
Insurance cancellation
Denied maximum policy coverage
Denied medical insurance
Excessive insurance premium increase
Suing an Insurance Company Lawyers
Denied Coverage?
An insurance company can be held liable for unfairly denying insurance coverage or benefits to a policy holder.
What is bad faith litigation? Bad faith litigation occurs when an insured person suspects that the insurer has acted in “bad faith.” Insurance companies must have a reasonable basis to deny a claim. They often don't. The law forbids insurers from acting in bad faith toward their insured individual.
Insurance bad faith also occurs when an insurance company unreasonably fails to fully and fairly pay claims promptly. If you pay for insurance (automobile, health or any other kind of insurance), then you should expect professionalism, coverage, and timely claim handling with no unexplained claim denial.
Contact Us
Whether you have received a denial of an insurance claim for long term disability or other insurance benefits, our bad faith litigation attorneys will aggressively pursue your claim. Contact our bad faith insurance claim lawyers today for a free initial consultation.
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Many insurance companies refuse to pay individuals money they should receive for various reasons. Insurance disputes arise out of disability, health, life, property, and automobile claims. In many circumstances insurance companies refuse to acknowledge the damages to the individual or property. There are many laws protecting consumers and individuals against improper and unfair deceptive insurance practices.
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What does my homeowner insurance policy cover?
All homeowner policies cover loss by fire. Most policies pay for three types of damage:
Replacement value of your home and personal property
Loss of use of real and personal property due to fire
Cost of restoring and reforesting your land lost to fire
Cost of fire related medical care
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(313) 982-0010
Confused about your rights ? Call us Free 1(877) 271-0131
Representing Michigan People in Bad Faith Insurance Claims
