If your claim against your all-risk renter’s insurance policy has been delayed, underpaid, or denied, Smith Kendall, PLLC can help you get the compensation you deserve. When living in a rented house or apartment, it’s smart to have renter’s insurance to protect yourself and your property from destructive events in your building. If you choose to pay extra for an all-risk policy, you likely feel that no matter what happens, you will be protected. Unfortunately, this is not always the case, and sometimes you will not receive the funds that you feel you deserve.
When this happens, the Dallas all-risk renter’s insurance lawyers at Smith Kendall, PLLC has your back. We can investigate what happened to your house or apartment to determine what compensation you should have been offered, and negotiate with your insurance company to ensure that you are paid what you are owed. To discuss your case with us, give us a call at (214) 361-6124 right away.
Insurance law can be deeply confusing for those not well-versed in it. After a destructive event in your home, such as a fire, flood, or theft, you are likely overwhelmed trying to replace necessary items or find a new place to live. Trying to fight with your insurance company on top of this is a recipe for disaster. Instead, let an experienced insurance law attorney handle your dispute for you. They can make sense of all the fine print in your insurance policy and compare it to the losses from the disaster to determine what you should have been offered. They are familiar with the tricks insurance adjusters play to underpay, and they won’t stand for them. To ensure that you get the maximum possible compensation, you need an insurance law attorney on your side.
Smith Kendall, PLLC has been handling insurance cases for more than fifteen years. We have intentionally kept our firm small to give every client we take on the personal, individual attention they deserve. One of our two founding attorneys will always handle your case, and we are both committed to remaining accessible at all times. We will continuously communicate with you to keep you informed about how your case is going and to keep you involved in the decisions. Furthermore, your first consultation is always free, so that you can discuss your case before making any commitment, risk-free. You won’t get this kind of consideration and thoughtfulness from any other firm.
An all-risk renter’s insurance policy, also known as a comprehensive policy, will pay to replace items damaged in a rented home or apartment pretty much regardless of why they were destroyed. This is as opposed to a named perils policy, which lists the specific events that must have occurred for the insurance company to pay for the damage. Because all-risk policies cover almost anything, they tend to be more expensive.
Despite its name, an all-risk policy does not cover all risks. Every policy has a list of exclusions or events that your policy will not cover. These vary from policy to policy, but common exclusions include earthquakes, war, nuclear events, smog, and other “freak” accidents. Smith Kendall, PLLC can examine your policy to help you determine what your exclusions are.
There are many reasons that you might not have received the result that you wanted from your insurance claim. It’s possible that the event that caused your property damage was listed as an exclusion in your policy, meaning that you cannot recover for it. However, it is also possible that your insurance company intentionally tried to minimize or deny your claim. Many people who don’t know better will accept a lowball offer merely because they think that it is the best they can get. Insurance companies know that many people will not try to contest a low offer, and so they intentionally offer you as little as possible. If you think this is the case, a lawyer from Smith Kendall, PLLC can help you negotiate a better offer.
If you have an insurance dispute involving an all-risk renter’s insurance policy, the Dallas renters’ insurance lawyers of Smith Kendall, PLLC can help get you the compensation you deserve. Our lawyers have the knowledge and experience needed to aggressively pursue your rightful compensation from insurance companies. They are also compassionate to ensure that you feel calm and comfortable throughout this experience. To start on the path to recovery from this disaster, call us today at (214) 361-6124, chat live on our site, or fill out an online contact form.