Has your Oklahoma homeowner's insurance claim been wrongfully denied or delayed?
Homeowners insurance is one of the most important types of insurance that a person with property in Oklahoma can have. It protects one of your biggest assets from unforeseen disaster and often also protects you from personal liability lawsuits. At the heart of your homeowner's insurance policy is a contractual agreement: You will make regular payments to the insurance company, and it will support you when your home is damaged or your personal property stolen.
Sadly, many homeowners find that when their homes get damaged or they fall victim to theft, their insurance companies are not quick to cooperate with them or pay the claim. In fact, it is in the insurance company's best interests to question your claim, offer less money than your claim is worth, or to deny your claim altogether. Your insurance company may point to ambiguous language in your insurance policy, ask you to jump through an unreasonable number of hoops to receive your payment or deny your valid claim for no good reason.
While all homeowner's insurance policies differ, many will protect against a variety of hazards, disasters, and damages, including:
- Falling trees
- Burst pipes
- Fire or smoke damage
- Hail damage
- Wind damage
- Falling objects
- The weight of ice or snow
- Riot and civil commotion
- Stolen possessions or property
- A personal liability lawsuit
- A dog bite lawsuit
- A premises liability lawsuit
Some, but not all, homeowner's insurance policies will cover flood damage, hurricane damage, or earthquake damage. In all cases, you should read your homeowner's insurance policy carefully before choosing a plan, so that you understand what is covered and what is not. If you live in an area prone to certain types of natural disasters, then you should consider purchasing separate insurance plans to cover the possibility that your home will be affected by such disasters.
So, what should you do if your insurance company is denying, delaying, or low-balling your valid homeowner's insurance claim? The key is to act quickly and thoroughly as soon as you suspect that your insurance company is acting in bad faith. Make sure that you document all of your interactions with your insurance company, keep track of the expenses related to your property damage, and speak with an experienced, knowledgeable bad faith insurance attorney about your claim.
At Scott Ray Law Firm, we know the favorite tricks and loopholes of insurance companies. We also know the law. If you are struggling against an insurance company that is denying or delaying your valid homeowner's insurance claim, then talk to us today to move forward with your case. To schedule a free, private meeting, call us at (580) 248-5557, or fill out the short electronic contact form on this page.