Protecting Your Rights For More
Than Four Combined Decades

Homeowner Insurance Claims

At MoMo Law, our homeowner insurance claims attorneys know that the valuable protection your policy provides delivers peace of mind when it is not in use. We also know that the states and territories where we provide our legal services have some of the highest homeowner insurance premiums in the United States.

No matter where you live, insurance coverage is designed to make you whole after you file a property insurance claim. Whether you pay your premium monthly, semi-annually, or annually, the price of coverage is more than a nominal expense, so you fully expect the outcome to work in your favor.

Paying your homeowner Insurance Claims provides the confidence you need to pursue a claim when damage occurs to your home or property after a hurricane, flooding, fire, or another unforeseen event.

The reality is when it is actually time to file a claim, homeowners are faced with intense obstacles and unreasonable requests from the insurance company before repayment is even considered. You deserve more, and our Homeowners Insurance Lawyers can help you pursue the financial recovery you deserve from your insurance provider.

Contact our home insurance claim attorney today to learn how we can help pursue the best outcome for your claim.

What Are The Most Common Homeowner Insurance Claims?

Damage from hurricanes, severe storms, or lightning can impact our community throughout the year, leading to extensive and uncontrollable homeowner claims.

Our homeowner insurance claims Lawyers know that you pay your insurance premium on time to ensure you get the coverage you deserve when your home sustains:

Homeowner’s insurance is designed to protect you, your family, and your property from the unknown dangers that can leave your home partially damaged — or completely lost. When your homeowner’s insurance company is delaying payment, issuing a partial or unfair payment, or rejecting your claim altogether, you are going to need help pursuing the financial recovery you deserve. The homeowner claims lawyers at MoMo Law will aggressively represent you during financial negotiations or in a courtroom to pursue the outcome you deserve.

If we do not win your case, you do not pay for our services.

How Frequently Are Homeowner Claims Submitted Each Year?

Each year, each state and each policyholder’s overall insurance claims will differ. Hurricanes and other natural disasters like sinkholes and hailstorms that surprise our community throughout the year can lead to costly damage. This is exactly why insurance exists, so we are prepared for the worst and protected from the fallout.

According to the Insurance Information Institute, throughout the U.S. approximately:

Our insurance claims attorneys know that you have coverage to protect your best interests if or when something goes wrong.

The bigger question is, will your insurance company be there to provide the financial support you need as it is outlined in your policy?

How Much Homeowners’ Insurance Coverage Do I Need?

The amount of home insurance coverage you need depends on multiple factors, including the cost of your home, your possessions, where you live, and the risks your property faces. Most of the states and territories our homeowners insurance attorneys cover are often subjected to hurricanes and wildfires, so it is important that property owners amend their coverage to fit those types of natural disasters, so they are covered if the very worst happens.

If you need help understanding exactly what type of coverage you need, talk to our skilled homeowners insurance claims attorneys today to learn more about being proactive, instead of reactive.

Can I Change My Property Damage Insurance Policy At Any Time to Ensure All My Assets Are Covered?

Yes! You should assess your policy and coverage options annually, so you can ensure all your assets are covered through a risk assessment exercise that allows you to understand what happens if the unthinkable actually happens.

That can include someone getting hurt at your home or understanding what happens if a vehicle crashes into your garage. When it comes to insurance coverage, you can never ask too many questions, or reevaluate your coverage needs too often.

Our property damage lawyers know that the worst time to learn your home is not covered by your policy is after the damage occurs.

Contact our property insurance lawyers can help you understand what your policy means, what is covered, what is not, and how to make up for the coverage you need.

Why Would My Insurance Company Refuse To Pay My Homeowner Claim?

Insurance companies collect tens of billions of dollars each year on homeowner policies alone. The cost of your coverage and your prompt payments lead to the assumption that when you need them, your insurance provider is going to step up and pay your claim.

While that would be a reasonable expectation, it is often a misconception. Insurance companies profit from your premiums and increase their revenue by rejecting claims outright, or partially paying for the damage your home endured because they can.

Insurance company representatives have the power of a large corporation, bureaucracy, and in-house attorneys behind them 24/7 which are no match for the average consumer.

The small print of your policy and the paperwork necessary to appease the insurance company’s claim processes is overwhelming and exhausting, which is exactly how they want it. You will tire of fighting before they do. And they are counting on that being the case.

If you believe your insurance carrier is delaying, undervaluing, or denying your claim, contact our homeowner insurance disputes lawyers today for help. You do not have to take the insurance company’s word for what your home’s damages are worth. We can help set the record straight.

Why Do I Need a Public Adjuster to Evaluate My Home’s Damages?

When our clients file property insurance claims, they are typically met by the insurance company’s claims adjuster who will review the damage and estimate the costs to fix the issues.

The adjuster is an employee of the insurance company, so it is in his or her best interest to undervalue your claim, so the employer does not lose money. While that may not be fair, it is true.

You deserve to have an unbiased third party assess your damages where your best interests are put first. At MoMo Law, P.A., our property damage claims attorneys are policyholder advocates who will fight for the best outcome for each of our clients.

Contact us today to learn how we can help you get the most from your insurance policy.

What If My Homeowner’s Insurance Claim Has Already Been Denied?

If your homeowner’s insurance claim has been denied by your insurance provider, that does not have to be the final word on the matter. Partnering with a skilled insurance claims attorney will allow us to investigate your damages, review your claim, and understand the facts behind its denial, so we can reopen your claim.

Once we have the opportunity to align the facts of your case with the supporting evidence and documentation necessary to pursue your policy, we will fight for your rights, so you can pursue the best outcome for your claim.

When you have homeowner’s insurance, it should protect you. We can help ensure that it does. Contact us today to learn more about your legal rights and options to take back control of your claim, and get the outcome you deserve.

Whether you are assessing your home’s damage to pursue a claim or have already received a rejection letter from the insurance company, our experienced insurance claims Lawyers will help you pursue the financial recovery that is rightfully yours simply by scheduling a free consultation now.

Contact Our Homeowners Insurance Claims Attorneys Now

Contact our accomplished homeowner insurance claims attorneys at MoMo Law today by calling (512) 640-5138 to learn how we can help you hold your insurance company accountable for the financial protection that is outlined in your contractual agreement.

MoMo Law is a Homeowner Insurance Claim law firm that offers free consultations in a safe, trusting, comfortable environment. Call our law firm now to learn how our Homeowner Insurance claim attorneys can help you confront the insurance company for the financial recovery you deserve.

Frequently Asked Questions for Our Homeowners’ Insurance Claims Attorneys

Do I Need to Keep an Inventory of the Possessions in My Home?Yes! Creating a home inventory list is one of the smartest things you can do to ensure your property and its value are accounted for in case it is damaged or stolen. A home inventory will also help you and your agent determine how much coverage you actually need, so you are protected from all angles.

Does My Mortgage Lender Get to Decide Which Homeowner’s Insurance Provider I Use?The policyholder – you – decides which insurer and coverage is right for you. If your coverage meets the minimum requirements set by your mortgage company, you can make the decisions.

Am I Required to Have Homeowner’s Insurance?By law, you are not required to have home insurance, but banks do require it as a condition of your mortgage. However, homeowner’s insurance can help you protect yourself from enormous financial loss in case disaster strikes, so it is important to have coverage that surpasses your overall property’s value.

Does My Homeowner’s Insurance Policy Cover Personal Injuries That Occur on My Property?Personal liability coverage can help protect you if you are found responsible for bodily injury to someone or damage to their property. Accidents happen, and if they occur on your property, you can be held liable for the associated costs, like medical expenses or lawsuits. Personal liability coverage can pay for those expenses, so you are not left paying for them out of pocket.

Will My Homeowner’s Insurance Coverage Pay My Expenses If I Cannot Live in My Home During Its Repairs?Yes. If your home is unfit for habitation due to a covered loss, your insurance coverage should help pay for additional living expenses — such as food and a hotel — while repairs are being made.

What Can I Do To Lower My Homeowners’ Insurance Premium?Depending on who your insurance coverage is with, they may have multiple options for you to lower your premium. Some insurance companies provide discounts for policyholders who install qualifying smart home devices or by combining their home and auto coverage.

Will Filing a Homeowners’ Insurance or Property Claim Affect My Premium?There are several factors unique to your area, coverage requirements, and claims history that go into whether your premiums will increase. Talk to an insurance provider to learn more about what factors will impact the cost of your policy.

How Long Will It Take For My Insurance Claim To Be Settled?The honest answer is, that it depends on how long it takes to repair/rebuild/replace their home and possessions after a large loss. The more complete your insurance claim is when you submit it, the smoother the process will be. That is why it is important to discuss your claim with an insurance claims attorney before you get started, so the insurance company has little reason to delay, undervalue, or deny your claim.