Has Your Insurance Claim Been Wrongfully Denied or Underpaid?

Property Insurance Attorney

When it comes to insurance claims, property damage is a common area where underpayments can occur. If you’ve experienced property damage and suspect that your claim has been underpaid, there are a few signs to look out for:

  1. Insufficient Repair Estimates: One red flag to watch for is receiving repair estimates that seem lower than what is needed to fully restore your property. Make sure to get multiple estimates from reputable contractors to assess the true cost of repairs.
  2. Undervalued Damage Assessment: Another sign of an underpaid claim is when the insurance adjuster undervalues the extent of the property damage. They may underestimate the cost of repairs or fail to account for hidden damages that may not be immediately visible. It’s important to thoroughly document the damage and provide evidence of its severity to support your claim.
  3. Excluded or Limited Coverage: Sometimes, insurance policies may have specific exclusions or limitations that can result in underpaid claims. Take the time to review your policy documents carefully to ensure that the damage you’ve experienced is covered as per the terms of your policy.
  4. Unresolved Claim Disputes: If you’ve been struggling to resolve a claim dispute with your insurance company and feel like they are not addressing your concerns adequately, it could be a sign that your claim is being undervalued. Don’t hesitate to seek legal assistance if you feel that your claim is being wrongfully denied or delayed.

Remember, property damage claims require proper documentation, accurate assessment, and knowledge of your policy coverage. If you suspect that your insurance claim for property damage has been underpaid, it’s important to address the issue promptly to ensure you receive fair compensation.

Common Red Flags

When it comes to insurance claims, there are certain red flags that may indicate you have received an underpaid claim. It’s important to be aware of these signs so you can take the necessary steps to address the issue. Here are some common red flags to look out for:

  1. Insufficient Explanation of Benefits: If your insurance company fails to provide a clear and detailed explanation of the benefits covered under your policy, it could be a sign of an underpaid claim. An inadequate explanation can make it difficult for you to understand the coverage you are entitled to, and may indicate that the insurer is trying to avoid paying the full amount.
  2. Unanswered Questions: When you have legitimate questions about your claim and your insurance company fails to address them promptly and satisfactorily, it could be a red flag. Communication is crucial in the claims process, and if your insurer avoids or ignores your inquiries, it may indicate that they are not acting in good faith.
  3. Low Settlement Offer: Perhaps the most obvious red flag is when the insurance company makes a settlement offer that is significantly lower than what you expected. If the offer does not adequately cover your damages, medical expenses, or other losses, it’s essential to question its validity and seek further clarification.

What to Do if You Suspect an Underpaid Claim

If you suspect that your insurance claim has been underpaid, it’s important to take action. Here are the steps you should follow:

  1. Contact Your Insurance Company: Reach out to your insurance company as soon as you suspect an underpaid claim. Request a detailed explanation of the settlement and ask for clarification on any discrepancies you’ve identified. Insist on getting a written response for your records.
  2. Bring in an Attorney: If your efforts to resolve the issue directly with your insurance company are not successful, consider hiring George Ketry, an attorney who specializes in insurance claims. He has the knowledge and expertise to navigate the complex process and advocate for your rights. As an attorney he will analyze your policy, negotiate with the insurance company, and  take legal action if necessary.

Document Everything

When it comes to insurance claims, one of the most important steps you can take to protect yourself is to document everything. This means keeping detailed records of all conversations, correspondence, and documents related to your claim. Here are some specific actions to take:

  1. Keep a record of all communications: Save emails, letters, and notes from phone conversations with your insurance company or adjuster. These records serve as evidence of the communication that has taken place and can be referenced if any disputes arise.
  2. Take photos and videos: In cases of property damage, document the extent of the damage by taking clear and detailed photos or videos. This visual evidence can support your claim and help establish the true value of the loss.
  3. Keep receipts and invoices: If you incur any expenses as a result of the claim, such as repair costs or medical bills, make sure to keep all receipts and invoices. These documents provide proof of the expenses you’ve incurred and can be used to support your claim for reimbursement.
  4. Maintain a claim diary: Keep a detailed log of all interactions, actions, and expenses related to your claim. This diary can serve as a chronology of events and provide a clear timeline of the progress of your claim.

By documenting everything related to your insurance claim, you provide yourself with a solid foundation of evidence to support your case. It helps ensure that you have accurate records to refer to if any discrepancies or doubts arise. Remember, the more comprehensive and organized your documentation is, the stronger your position will be when negotiating with your insurance company.

Practice Areas

Property & Casualty Insurance Attorney

Property & Casualty Insurance

Personal Injury Attorney

Personal Injury

Criminal Defense Attorney

Criminal Defense

Why Should You Hire Ketry Law Firm?

George Ketry is a local attorney with an office in Luling for the past 5 years.  He is uniquely familiar with the Insurance Claims process as he has been a licensed independent insurance adjuster for over 17 years. Not only can George be an advocate for you to legally negotiate with your insurance company, he is familiar with the claims and estimating processes employed by the many insurance companies that can often lead to lower damage assessments, under scoping of the damages, partial denial of coverage, denial of coverages, and lower payments and longer delays for you to receive your fair and adequate insurance damage proceeds.  All legal problems can be incredibly stressful, but dealing with your insurance company to try to get your life back in order can be even more difficult. During this challenging time, a dedicated, local, and reliable attorney that understands the insurance business and tactics can make a significant difference in the outcome of your matter. If you’re seeking legal guidance, I have the expertise that you need. The Ketry Law Firm is focused solely on the needs of my clients and I will provide you professional and effective representation.

Skilled Legal Advice In Louisiana

Experience is part of developing a successful law practice, and at the Ketry Law Firm people from Louisiana get the skilled legal advice and representation they’re looking for when they need an attorney.

I have a thorough understanding of Louisiana law. With exceptional legal skills, practical solutions, and professional integrity, the Ketry Law Firm works hard to help you get the best possible results in the following practice areas:

  • Property Casualty
  • Personal Injury
  • Criminal Defense

The Ketry Law Firm prides itself on developing real connections with clients. I put complex legal issues into language that you can easily understand. I work hard to help our clients in every situation. I treat clients with respect and spend time to make sure that they fully understand the process they are going through.

When you need counsel on a major, life-impacting decision, you deserve an attorney who will listen to you, thoroughly examine the facts, and provide the best possible solution for you and your future. Have a property insurance attorney on your side.

Contact the Ketry Law Firm For A Consultation

There’s no need to handle these difficult matters of law all alone. Get the legal advice, counsel, insurance claims advice, and representation you need. Contact the Ketry Law Firm in Louisiana for a free consultation or insurance claims evaluation. Find out more about having a property insurance attorney on your side. I can help you decide which course of action will serve your best interests.

Welcome to My Firm

Need a Property Insurance Attorney? Ketry Law Firm, LLC is located in Louisiana, providing representation for Property and Casualty Insurance Law, Personal Injury, and Criminal Defense. Contact me today to schedule an appointment.