Every family would be in a panic if a pipe were to collapse unexpectedly, resulting in flooding. Its recovery is the first question that occurs to mind. We avail ourselves of insurance so that it can provide financial support, but in reality, insurance firms consistently save money for their own profit.Â
It employs various methods to achieve this aim, which is why a water damage lawyer is so important. It uses tactics that the average person would not be able to apply.
Insurance companies commonly employ these five tactics.
1. Lowball Proposals for Settlements
Insurance firms most frequently utilise lowball settlement offers as a tactic. When you’re stressed out and you need money to fix your residence immediately. They make a speedy settlement offer right away, but it is far less than the actual damage.
The water damage lawyer uses experts to determine the genuine cost and bargain to cover the actual losses, while the insurance company attempts to underpay you.Â
2. Delay in Claim
The second common trick is delay. Insurance companies know that when a person is under stress, they usually give up. That is why it wastes time on paperwork, extra documentation, and rescheduling inspections. That will lead to a delay in house repair, which will eventually result in pressure.Â
The lawyer will monitor the deadlines and provide the company with legal reminders. He also files a bad-faith claim as a result of the significant delay; this pressure will ensure prompt action by insurance companies. The tactics of insurance companies will fail in front of a legal notice.
3. Blaming Carelessness
They deceive the public by placing the blame on them. They hold people accountable for the damage, viewing it as the result of their carelessness. The water damage lawyer prepares the expert reports that will determine whether the damage was caused by negligence or an unexpected event.Â
He will clarify the policy language to address the misunderstanding. You will become confused by the technical phrases and policies, which is why a water damage lawyer is required.
4. Misreading the Wording of the Policy
An insurance policy is similar to a booklet with unclear terms and conditions. Companies take advantage of the fact that the average person finds it hard to understand. They manipulate the policy to gain an advantage at the time of the claim.
AÂ lawyer will examine it thoroughly and provide a legal response. In any case, he would also take the company to court to claim unfairness. A lawyer will keep you out of trouble since he is familiar with legal terms.
5. Unawareness of Hidden Harm
Visible damages, such as wet surfaces, damaged walls, and broken furniture, are calculated by an insurance assessor. They ignore deeper problems, such as circuit damage, a weakened foundation, and the growth of microbes, which are the foundation of every building.
To save money, the company skips these damages. Inspectors will be hired by a lawyer to find damage and make claims regarding it. You will obtain a long-term solution in this way.
A water damage lawyer will defend you and fight for you to receive the most money possible, whereas insurance companies will use adjusters to try to brainwash you.