Theft & Vandalism Claims — Insurance Litigation Lawyer
Building owners suffer a huge number of residential and commercial burglary and vandalism losses each year. Many result in insurance claim disputes because insurance policies attempt through fine print and tortuous wording to limit coverage for losses to the actual cash value of the items (e.g., the replacement value less depreciation). We can help you navigate an insurance claim through the help of an insurance litigation lawyer.
During this time of trauma, if the insurance company acknowledges coverage for the loss, then insurance adjusters pepper the owner with questions that are unanswerable (“When did you buy the living room coffee table?”). They demand receipts for furnishings that were never kept.
Finally, the insurance company adjuster (whose employer wrote the insurance contract and seeks to minimize any payout) tells you what benefits are provided and in what amount. The adjustment of your loss may vary by several hundred thousand dollars — depending on whether you take the adjuster’s word for it, or hire an independent insurance claim lawyer who represents your interest under the policy exclusively.
“My late husband and I owned a rental property in Banks, Oregon. Sadly, unknown to us, our tenants set up a meth late that severely damaged our rental home. The insurance company claimed that there was no coverage based on its tiny print “pollution “exclusion. We greatly appreciated Bob’s taking the case on a contingent fee, and doggedly pursuing the insurance company all the way to the Oregon Supreme Court to establish our right to coverage.”