Lawyers Fighting Denied Fire, Water, or Home Damage Insurance Claims
Experiencing the denial of an insurance claim is frustrating, but it becomes even more disheartening when you suspect the denial to be an act of bad faith. At Robinette Legal Group, our team, consisting of former insurance defense lawyers, possesses a unique insight into insurance law matters. We understand the complexities of insurance claims and are dedicated to holding insurance companies accountable for their obligations. If you’ve had a legitimate insurance claim denied, we are here to provide you with the aggressive and tailored representation needed to fight against even the largest insurance companies. From our offices in Morgantown, we serve individuals, businesses, and families throughout West Virginia. Contact us today to schedule a free consultation with one of our experienced West Virginia denied insurance claim lawyers.
Understanding Denied Insurance Claims
When a legitimate insurance claim is denied, it raises questions about the insurer’s commitment to acting in good faith. Our team at Robinette Legal Group is well-versed in reviewing insurance policies and deciphering the intricacies of each case. We recognize that each denied claim is unique, and our attorneys take the time to understand the specifics of your situation to provide you with the personalized representation you deserve.
Insurance Company’s Legal Responsibility According to the Insurance Commission:
“All insurers providing fire insurance on real property in West Virginia shall be liable, in case of total loss by fire or otherwise, as stated in the policy, for the whole amount of insurance stated in the policy, upon such real property; and in case of partial loss by fire or otherwise, as aforesaid, of the real property insured, the liability shall be for the total amount of the partial loss, not to exceed the whole amount of insurance upon the real property as stated in the policy.” https://code.wvlegislature.gov/33-17-9/
Here also is the Insurance Commission’s interpretation of WV Code 33-17 regarding timeliness and communication with the claimants. The insurance company is expected to communicate quickly, and fully, and provide all needed forms promptly to all claimants.
Fire Damage Claims in West Virginia
In a matter of minutes, a fire can devastate a home or business, erasing the hard work put into building it. While most insurance policies include some form of fire damage coverage, not all claims are accepted. Even if your policy covers fire damage, your insurance company may unjustly deny your claim. For instance, if a fire marshal’s determination lacks certainty, the insurance company might exploit any doubt to reject the claim.
Our commitment at Robinette Legal Group is to fight for your rights and ensure that you receive the fire coverage outlined in your policy. Our experienced attorneys have a deep understanding of insurance law and can navigate the complexities of fire damage claims, holding insurance companies accountable for their obligations.
West Virginia Water Damage Claims
Flooding or water damage can be catastrophic for homes and businesses. Insurance policies, however, may be written in a way that excludes coverage for certain types of water damage. As former insurance defense lawyers, our team has a comprehensive understanding of how insurance companies may attempt to deny claims in bad faith. We can analyze your policy, help you interpret your coverage, and challenge any unjust denial of your water damage claim.
Snow and Ice Damage Claims in WV
West Virginia’s picturesque mountains and high altitudes bring the beauty of snow and ice, but they also present challenges. Snow and ice conditions can lead to issues like ice dams, roof collapses, and damage to mechanical systems. When filing a claim for such damages, insurance companies may undervalue the claim or attempt to offer only a fraction of the actual damage costs.
Our attorneys at Robinette Legal Group specialize in handling snow and ice damage claims, ensuring that you receive the full value of your claim. We are dedicated to negotiating with insurance companies on your behalf and, if necessary, taking legal action to secure the compensation you deserve.
Contact Our Morgantown, West Virginia Fire and Water Damage Claim Attorneys
If you find yourself in a homeowner’s insurance dispute or believe that your fire or water damage claim was unjustly denied, our legal team is here to help. Contact us to arrange a free consultation, during which we will help you understand your rights and options while standing up for you against the insurance company. Our commitment to justice and our clients sets us apart, and we are ready to fight for your rights in the face of denied insurance claims.