Homeowners Insurance

Your homeowner’s policy is very likely full of complex and ambiguous language that is difficult to understand and is often used by insurance companies to deny claims. Most homeowner’s polices have four specific types of coverage:

Firstly, coverage for liability if someone other than you is injured on your property due to your negligence. In the unfortunate event that someone is injured on your property, your insurance company has the duty to hire an attorney and defend you against a lawsuit and the duty to pay any legitimate claims.

Secondly, you will most likely have coverage for your home itself. This coverage will protect you against any number of situations where your home suffers damage from wind, hail, vandalism, fire and many other unforseen circumstances.

Thirdly, you will likely have coverage for your possessions in your home. Unfortunately, many times when our clients have presented claims for possessions, insurance companies routinely manage to take the position that your possessions are not worth anywhere close to the actual value of the item.

Finally, your policy will have coverage for additional living expenses (ALE). If your property suffers a covered damage loss, your insurance company is required to pay for living expenses over and above your normal expenses during the time for which you are forced to evacuate from the property and live elsewhere. Unfortunately, these claims are also often contested by insurance companies who seek to pay less than you deserve. We see these problems most often with fire claims.

If you believe that your homeowner’s insurance company is not properly handling your claim, you may call us for a free consultation and evaluation of your case. We represent individuals and families statewide in any city or county in the State of North Carolina.

For more information about our services, please contact us.