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When you faithfully pay your insurance premium month after month, you expect that your insurance company will act in good faith and pay valid claims on your behalf. Unfortunately, this isn’t always the case. Our licensed attorneys have represented many citizens who were forced to sue their own insurance company to receive claim payouts that were rightfully theirs. Some insurance companies routinely deny claims and only pay when their clients fight back. Some have significant financial resources and attorneys at their disposal to fight claimants in court even when they have no good reason to deny claims.
Although you’re frustrated, you may feel that you can’t fight a big insurance company. You can when you hire the law firm of Wilson, Frame & Metheney. We will aggressively pursue your rightful compensation by exposing fraudulent or manipulative claim denial tactics for what they are. Below is a description of the most common types of insurance dispute cases we handle.
The loss of your home or personal belongings in a fire is an emotionally devastating and highly stressful experience. When your insurance company denies your claim, it only adds insult to injury. Some of the tactics that insurers use to deny claims for homeowner fire loss include:
Arson or fraud allegations
Deliberate violation of insurance policy terms
Lack of timely investigation
Not considering supporting evidence
Disputing the value of damaged property
Our litigation attorneys will challenge the denial of your fire loss claim, regardless of the unreasonable charges. No matter what manufactured and unwarranted charges are leveled against you, the insurance dispute lawyers at Wilson, Frame & Metheney will work to prove them false.
Homeowner Mold / Water Damage/Sewage Damage
When you experience water or sewage damage in your home, it can lead to conditions known as toxic mold or bacterial contamination. Bacterial contamination inside the home can have devastating consequences to your health. While you are trying to repair the damage to your home and recover your health, your insurance company may be busy looking for a reason to deny your claim. Our local attorneys have challenged insurers that deny mold, water and sewage damage claims for these reasons:
Claiming the cause of the water damage, mold or sewage hookup is not covered
Claiming you didn’t submit required information or premium payments on time
Fraud accusations against you
When it comes to mold, water and sewage damage claims, you need help and not a hassle. You can count on us to hold your insurance company accountable.
About one in 55 insured homes has a property damage claim caused by water damage or freezing each year. – Insurance Information Institute
Personal Injury Claims
It is a common practice of many insurance companies to offer you a lowball settlement and hope that you will quietly accept it. The only problem is that the amount is not nearly enough to cover your medical expenses, lost wages, and other costs associated with your injury. Another common tactic is to deny that their insured client caused the accident that led to your injuries. Insurance companies that stoop to this level often try to pin blame on the injured person instead. Your licensed lawyer will prove where the responsibility lies and continue to fight for a fair personal injury settlement on your behalf.
Uninsured and Underinsured Motorist Claims
Being injured in a car accident is bad enough, but it can be doubly stressful when the other driver was uninsured or underinsured. By law, your own insurance company must offer coverage to deal with this type of situation. However, you may be sorely disappointed when you try to make a claim to cover the damages you sustained due to an uninsured or underinsured driver. If your insurer denies the claim or makes you jump through all kinds of hoops just to file it, the company may be acting illegally. Our local law firm will challenge any reason for denial and uncover what your policy really states about your benefits.
Commercial Insurance Litigation
This type of insurance dispute refers to any claim made by a business that its’ insurance company denied without just cause. Common reasons for denial include fraud accusations, arbitrary rules about submitting paperwork, and stating the policy was not in place. The following are some of the most typical commercial insurance litigation disputes:
Breach of contract
Employment agreement disputes
Real estate disputes
Regardless of the type of policy or amount of claim your insurance company denied, Wilson, Frame & Metheney will pursue the full payment you’re entitled to based on your actual loss.
You would like to think that your employer would go out of the way to accommodate you when you’re injured on the job. Sadly, it’s more common for employers to make it extremely difficult for injured workers to collect compensation. They deny claims, dictate where you get treatment, deny responsibility, and a number of other tactics including:
State you had a pre-existing condition
Claim you’re committing fraud and/or the injury didn’t happen at work
State that you don’t have enough evidence
Purposely misplace paperwork and then suggest you didn’t submit your claims on time
While these tactics are maddening to experience, our lawyers are accustomed to them. We will challenge any attempt at non-payment and determine if any illegal practices are taking place. If they are, we will ask the judge to impose sanctions and to force your employer’s insurance company to make good on the payments due to you.