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Hiring an Insurance Claim Lawyer: The Complete Guide

James Smith

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Insurance Claim Lawyer

Did you know that around 1 out of 20 homes has an insurance claim every year? If you are in the midst of dealing with an insurance claim yourself, you might want to contact an insurance claim lawyer before you speak with an insurance representative.

Keep reading to learn more about when to contact a professional and a few things to keep in mind when you are considering hiring an insurance claim attorney.

When to Contact an Insurance Claim Lawyer

In cases where there is a lot at stake for you and for the insurance company, you might deal with more pushback from the insurance company. If you notice from the beginning that you and the insurance adjuster are not agreeing or seeing eye to eye, it is a sign to get in touch with an insurance claim lawyer to help you.

Another sign that you want to hire an insurance claim lawyer is when you have complex or expensive claims to deal with. Large claims like an extensive water problem after a natural disaster or house damage after a fire are better off with an attorney that has experience.

If you contact your insurance company to make a claim before calling an experienced lawyer you might hurt your case. It is best to first speak with an attorney that understands the insurance claim process. Insurance companies are in the business to make money and they will find plenty of excuses and reasons to deny your claim in order to not pay you.

What If Your Claim Is Already Denied?

For those that have already gone through the process of speaking to their insurance company and the company denies the claim, they more than likely will not change their mind. There is a slim chance that an attorney can get them to change their mind if they present them with new evidence.

This is why you want to hire an attorney before making a claim instead of waiting for a denial. This will give you the highest chance of having the claim approved.

An experienced lawyer might be able to help you though, even after the claim is denied. They will take a look at the claim from every angle to see if there is any chance or possibility to get the insurance company to change its mind on their initial decision.

Can You Boost Your Chances of Approval?

The answer is yes – with an attorney. Hiring a lawyer will increase your chance of getting approval from the insurance company because they are familiar with the tactics that insurance companies use.

When someone is not represented by an attorney they might make a quick low offer hoping that you say yes and they can close the case. A low offer is made when they know that there is a valid claim at hand.

If the insurance company knows that it will take work to prove your claim and you do not have legal representation, they will deny your claim and hope that you walk away and not fight back. Honestly, most people do walk away because they feel like their hands are tied and they can’t do anything about the company’s decision.

Attorney Fees

The average person feels that hiring an attorney is out of their reach and they do not even bother looking for a lawyer. It is good to keep in mind that with an insurance claim case you can look for attorneys that work on contingency. This means that you will not have to pay anything upfront and they will only charge you a fee if they win your case.

A contingency payment is a win-win for you because if they win you get paid and if they lose then you do not have to pay. The average contingency fee is 33% of the amount that they recover. If the case goes to trial and it is not settled out of court then the contingency fee will go up to around 40%.

There are plenty of attorneys out there that offer a free consultation. Take the time to contact several different lawyers in your area and make a list then go see each one in person before hiring them. Understanding how an attorney can help you with your specific claim and what their fees are will make it easier to narrow down your choices.

Professional Representation

If a case ever goes into litigation, this can be a complicated and overwhelming process for those that have no experience with laws and court lingo. An attorney has the ability to stand by your side and represent you and your case.

When you are dealing with insurance carriers you will find that they are all different. A lawyer that has been dealing with insurance claims will have the expertise and knowledge of how to deal with each carrier. They will know how to negotiate and can sue an insurance company if they find it necessary to help your case.

Ready to Hire an Attorney for Your Claim?

Now that you know the ins and outs of hiring an insurance claim lawyer, you can make an informed decision whether or not to hire a professional for your case. If you are feeling overwhelmed and your case is just starting you definitely want to consider leaving it up to the pros.

Did this blog post help you out today? Please feel free to browse around the rest of this section for some more helpful reads.

James Smith is the writer for Munchkin Press. He is a young American writer from California and is currently traveling around the world. He has a passion for helping people and motivates others.

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