Insurance 101

Property insurance generally refers to a series of insurance policies that offer property protection or liability coverage. Property insurance can include homeowners insurance, renters insurance, flood insurance, and more. Claims filed after a fire are common. Here are some tips if you find yourself in need of filing a claim: 

  1. When filing an insurance claim, make sure to request a complete copy of your policy.  Don’t rely on what the claims adjuster tells you is in your policy.

  2. If you believe that the claims adjuster is underestimating what it will cost to repair or replace your property, get your own estimate—a neutral third party will decide which estimate is accurate.    

  3. Examination Under Oath (EUO), a deposition-like interrogation, is requested when an insurance company suspects fraud or other unlawful conduct.  You have the right to hire your own lawyer to represent you during the EUO.

  4. If you are unable to live in your home, your policy may pay for Additional Living Expenses (ALE) such as hotels.  But there is usually a time (or dollar) limit to ALE payments.  Know what those limits are.  

  5. Usually, everyone living in your home is considered an insured under your policy even if they are not named in the policy.  Keep that in mind when submitting a claim.  

For help navigating your insurance claim, contact the attorneys at Great Lakes Legal Group today! We will walk you through each step of the process!


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