Insurance Coverage Claims

Ensuring Your Protection Against Insurance Disputes

Many business owners and homeowners believe that paying for insurance fully protects them from risk. However, as severe weather becomes more common, insurance carriers are increasingly resisting paying honest claims. At Saeed & Little, we are here for you when your insurance company isn’t.

Severe weather and catastrophic losses are becoming more frequent, directly impacting businesses through production interruptions and creating undue stress by delaying the return to normal operations. For homeowners face even greater challenges when trying to repair their homes, compounded by delays and complications in the insurance claim process. Rushing the adjustment or settlement of a claim often results in insurance payments that fall short of what is needed for repairs. Moreover, insurance carriers often walk the line of acting in bad faith when adjusting claims. Remember, an insurance company has a fiduciary obligation to you, the insured, to handle claims responsibly and honestly. Unfortunately, this is rarely the case, resulting in an adversarial process.

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Residential Property Insurance Claims

Residential Property Insurance Claims

A residential property insurance claim should be straightforward and resolved quickly, but this is seldom the case. Insurance companies are built on negotiation and litigation, and they benefit from lowering settlement amounts, which often shortchanges policyholders. Residential policies typically cover “named perils,” meaning only losses specifically named in the policy are covered. Common covered losses include severe weather, hail, fire, or other acts of God causing accidental direct physical damage. Homeowners usually have a short window to report these claims and a two-year statute of limitations to sue their carrier for not properly paying a claim.

Additional coverages might include ordinance or law coverage, additional living expenses, and environmental cleanup. As homes age, new building codes can increase repair and replacement costs. Depending on the loss, homeowners may need to relocate during repairs, incurring additional living expenses such as hotel stays or rent. Fire losses might also require surrounding property restoration due to contamination. While policy language varies, the goal is always to return the property to its pre-loss condition without obvious repairs.

Commercial Property Insurance Claims

Commercial property losses are typically more complex than residential ones, involving business operation interruptions, closures due to repairs, or entire business relocations. Insurance carriers tend to be more aggressive in disputing costs associated with these larger-scale losses. Commercial claims often involve churches, manufacturing facilities, condominiums, and industrial properties, and are generally covered under “all-risk” policies, meaning they cover any loss not specifically excluded.

Commercial claims also have a very narrow window to be filed and a shorter time limit for litigation if the insurance carrier fails to settle the claim in good faith. Engaging our services as soon as a claim arises ensures you are fully protected, and your claim is handled properly.

Why Choose Saeed & Little, LLP?

Our firm is committed to providing small businesses and homeowners with the legal support they need to navigate the complexities of insurance claims and disputes. By partnering with Saeed & Little, you ensure that your interests are protected and that you receive the compensation you deserve.

  • Experienced Attorneys: Our team has extensive experience in handling both residential and commercial insurance claims.
  • Client-Centered Approach: We prioritize your needs and work closely with you to develop tailored legal strategies.
  • Comprehensive Services: From initial claim filing to litigation, we offer a wide range of services to support your insurance claim needs.

Contact Us

If you are facing issues with your insurance claims or need assistance navigating the claim process, contact Saeed & Little today. Let us help you protect your rights and ensure your property is restored to its pre-loss condition.

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