Insurance Coverage Dispute Lawyers
Serving Raleigh, Durham, And Cary, NC
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What You Need To Know
Our insurance claim dispute attorneys serving the greater Raleigh, North Carolina area help policyholders who find themselves in a disagreement about coverage. Everyone expects the insurance provider to come to their aid after a disaster, but sometimes these companies choose profits over the people who dutifully pay their premiums. When insurance disputes happen, the lawyers at Miller Law Group in North Carolina can help.
What Is an Insurance Coverage Dispute?
An insurance coverage dispute is a disagreement between the insurance provider and the policyholder over a claim or policy terms. These commonly occur when an insurance company denies a claim, offers a settlement amount lower than expected, or cancels coverage without justification. The intricate language used in insurance policies and the various laws governing state practices can complicate these situations. This is why having an expert insurance coverage dispute lawyer is so essential.
Insurance disputes often follow this path:
- Your home is damaged by a hurricane or tropical storm and requires repair.
- Your insurance carrier’s adjuster estimates the damage at a dollar value well below the actual cost of repairs or loss.
- You accept the claim offer without realizing the compensation was undervalued.
- The settlement is not enough to pay for the home repairs you need.
Contacting our insurance claim attorneys is a great first step for residents of Raleigh and other cities, because we know North Carolina laws and we have experience dealing with local and national insurers.
What an Insurance Lawyer Can Do for You
An insurance coverage lawyer’s duty is to fiercely advocate for you, impelling insurers to uphold their responsibilities. The insurance dispute lawyers at Miller Law Group in Raleigh help with every aspect of your case:
- They can thoroughly examine your insurance policy to understand the complex language and clarify your coverage.
- They can evaluate your claim and help you through the process of filing it correctly.
- They will negotiate with insurance companies on your behalf, advocating for the maximum settlement.
- They can file a lawsuit against the insurer, aiming to secure your rightful benefits.
- They will represent you in court and defend your rights as a policyholder.
Duties of Insurance Companies to Policyholders
In North Carolina, insurance companies owe several important duties to their policyholders. When customers have complied with the terms of their policies, they are entitled to certain benefits. The duties insurers owe to policyholders include:
- A duty to defend, meaning they must treat the legal claim as a covered risk and defend the policyholder until it is discovered otherwise, even if some, or most, of the lawsuit is not covered by the insurance policy.
- A duty of indemnification, which requires an insurance company to pay a judgment against the policyholder up to the limit of coverage, provided that the judgment is for a covered act or omission.
- A duty to pay a claim for loss if it falls under the policy coverage.
Policyholders’ Rights
Insurance companies in North Carolina are expected to uphold their responsibilities to policyholders. If they fail to do so, the policyholder has the right to sue the company. North Carolina state law also permits punitive damages against insurance companies to deter future bad behavior. The North Carolina Commissioner of Insurance can penalize providers under the State’s Unfair Claims Practices Act if they demonstrate unfair behavior in handling claims.
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Disputes for Property Insurance Claims
North Carolinians pay their insurance assuming that when a tropical storm or fire damages their property, their policy will compensate them for the loss and help restore their home. Unfortunately, some insurance companies underpay or deny claims, hoping policyholders are naïve enough to accept an inadequate offer or believe policy restrictions.
Fighting for a property insurance claim without a law firm’s help is a challenge for any Raleigh homeowner. Even if you contract with a neighborhood agent you trust, they are often backed by a corporation that will push back to minimize your payout and maximize their profits. If you’ve been denied a claim or haven’t yet filed due to questions about your coverage, speak to a lawyer who understands insurance jargon and the fine print to ensure you receive the compensation your policy entitles you to.
Disputes for Unpaid Contract Work
When a homeowner in North Carolina commissions a contractor, roofer, or plumber for repairs after a weather event or fire, that vendor may present the policyholder an Assignment of Benefits contract. This allows the insurance company to pay the contractor directly for their services. But what if the insurance company refuses to pay for some or all of the work?
Several factors, including the state’s AOB laws, determine whether a contractor may sue an insurance company for underpayment or a denied claim. Property insurance law firms have the resources to help you understand your rights under North Carolina law to mitigate these situations or negotiate with the provider to gain compensation.
To avoid disputes in the future, contractors might consider working with a lawyer to ensure their work contracts and letters of protection adequately insulate the business from denied or disputed claims. Policyholders also have the right to consult insurance claim attorneys in Raleigh or another nearby city to ensure the agreement protects all interested parties.
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About Miller Law Group
Miller Law Group, PLLC, is a trusted and reputable law firm dedicated to representing policyholders in a wide range of insurance disputes. Our experienced team specializes in handling claims that arise from homeowner’s insurance, business liability coverage, property and casualty coverage, insurance fraud, and various denied claims.
We understand that as a policyholder, you have invested a significant amount of money to secure protection through your insurance company. It is your right to receive all the benefits outlined in your policy, especially considering your timely premium payments. If you find navigating the contractual language of insurance policies complex and confusing, look to the attorneys at Miller Law Group for help. We know how to meticulously review every term and condition in insurance policies. Our team of insurance dispute lawyers is committed to fighting on behalf of citizens in and around Raleigh to ensure that everyone receives the benefits they rightfully deserve.
If you find yourself in a dispute over insurance coverage, we encourage you to reach out to us for a free consultation to discuss and explore your options.
