David's law office has established strong collaborations with a network of experts, including fire investigators, structural engineers, estimators, and contractors. This network ensures that every aspect of your claim is thoroughly evaluated and supported by professionals who can provide detailed insights and accurate assessments. Whether it's determining the cause of the fire, assessing structural damage, or providing accurate estimates for repairs, these experts help build a strong case and ensure that you receive the compensation you're entitled to. With this team of specialists, David’s office can handle even the most complex claims with confidence and precision.
Claims can cause extensive damage to property, assets, and even disrupt business operations. An experienced attorney can be invaluable in ensuring that all losses are properly documented and valued, from structural damage and loss of inventory to business interruption and personal injuries. David Hernandez and his team are dedicated to making sure every aspect of your claim is thoroughly addressed, leaving no room for the insurance company to overlook or undervalue any part of your loss. With legal expertise on your side, you can have confidence that all damages, both property and business-related, will be covered and compensated appropriately.
To help bolster your claim after a fire, it’s crucial to follow some important steps to ensure everything is properly handled:
By following these steps, you can strengthen your claim and increase the likelihood of receiving the full compensation you're entitled to.
Water losses can be particularly tricky and often involve issues like bursting pipes, sewer backups, or overflow floods. Homeowners and business owners may not realize that their insurance policy might not cover flood-related damage, as floods are often excluded from standard policies. This can lead to unexpected complications when filing a claim.
It’s crucial to consult with an experienced attorney to understand exactly what’s covered under your policy and to ensure you are not caught off guard by exclusions. An attorney can help you navigate the complexities of water damage claims, ensure that you’re not missing critical coverage, and guide you through any necessary legal action to fight for the compensation you deserve.
Insurance bad faith occurs when an insurance company fails to fulfill its obligations to policyholders, acting in a way that is unfair, unreasonable, or dishonest. Below are some common examples of insurance bad faith:
If you believe your insurance company has acted in bad faith, it is crucial to consult with us immidiately to evaluate your case and ensure that your rights are protected. Legal action may be necessary to hold the insurer accountable for their actions and secure the compensation you are entitled to under your policy.
An attorney can be invaluable in helping you navigate the Appraisal Provision of your insurance policy when there is a disagreement with the insurer over the amount of the loss or the monetary value of the claim. Many people are unaware of this option, but it can be an important tool when negotiations break down.
When you and the insurance company cannot agree on the amount of the loss, the appraisal process allows both parties to select an appraiser, and if necessary, an impartial umpire is appointed to resolve the dispute. This process can be a more efficient and fair way to handle disagreements, especially when the stakes are high.
Having an experienced attorney on your side ensures that the process is properly handled from the beginning. They can assist in filing a petition with the court to appoint an umpire if needed, and provide guidance throughout the appraisal process. In critical situations, acting quickly is key to protecting your rights and ensuring that the full value of your claim is accurately determined.
An Examination Under Oath (EUO) is a formal process often required by insurance companies during the claims process, where the claimant is questioned under oath about the details of their claim. While it may seem similar to a deposition, the key difference is that during an EUO, the claimant has fewer rights and less flexibility in how they can respond, making it a high-stakes procedure.
Our office can help you properly prepare for an EUO by guiding you through the process, assisting with document preparation, and advising you on how to handle the questioning. We understand the intricacies of these proceedings and can help ensure that you are fully prepared and that your rights are protected throughout the process.
With the help of our experienced legal team, you can feel confident that you will navigate the EUO smoothly and that your claim will be handled appropriately. It’s crucial to approach an EUO with careful preparation, as it plays a significant role in the outcome of your insurance claim.
IMMEDIATELY!! You will likely be overwhelmed with emergency service people, contractors and public-adjusters pressuring you to sign contracts, authorizations and do all sorts of things. STOP! You are often committing to services that aren't right for you by people you don't know.
Very rarely will you be out of pocket with our office. Your insurer will pay for damages and part of those payments are for "overhead" of the claim. We strive to stay cost-effective so our fees are honored as part of the claim.
We recommend that you have us evaluate the claim first. A public adjuster will charge you a commission to help negotiate your claim with the insurance company, but it's important to know that an experienced attorney can assist you with the same work—without the added commission fees. While a public adjuster can help with the negotiation process, they are not legally allowed to discuss the legal aspects of your claim or provide legal advice.
Hiring both a public adjuster and an attorney means you could end up paying for similar services twice, which is unnecessary. Our goal is to ensure you fully recover from your loss while protecting your rights and ensuring that you receive the compensation you deserve. With an experienced attorney on your side, you can handle the entire claims process—negotiation, legal advice, and even litigation—without the extra fees and complications of working with a public adjuster.
When it comes to your insurance claim, ask, ask, ask—don’t hesitate to seek clarification on anything you're unsure about. Be sure to stay on top of all deadlines, especially when it comes to filing forms like the proof of loss. Missing any required paperwork can delay or jeopardize your claim.
Also, never miss a statute of limitations date for litigation—this is a critical deadline that, if missed, could prevent you from pursuing legal action if necessary.
The more proactive you are in handling your claim and working closely with your attorney, the better your chances of a successful outcome. Good luck with your claim, and remember that having the right support in place is key to securing the compensation you deserve.
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