When the tragedy of a fire hits your home, one of the few comforting thoughts is that your insurance coverage will allow you to rebuild. Sadly, many individuals discover that the insurance company that promised to be there for them in the event of a tragedy is not as responsive as they promised. Insurance companies regularly deny valid claims or offer a settlement that is far less than it costs to replace what was lost.
At Kustoff & Phipps, L.L.P., in San Antonio, Texas, we represent individuals and businesses whose insurance companies fail to provide the coverage specified in their insurance policies. It’s too risky to fight large, deep-pocketed insurance companies on your own or with inexperienced legal representation.
An insurance provider may assure a homeowner that the policy in place is sufficient to replace the home in the event of a total loss when in fact it is not. We have successfully recovered the difference between the covered amount and the cost of replacement for homeowners.
In many instances, insurance companies recommend inexpensive, temporary fixes when a policy allows for replacement. For example, an insurance company may offer to paint over smoke damage, which is not always a permanent solution.
We work closely with experts who assess the damage to your home or business and provide a true repair and replacement cost. We handle all aspects of your claim and work to get your insurance company to pay the full value of your fire insurance claim.
We are prepared to use litigation if your insurance company refuses to treat you fairly. A bad faith lawsuit for denial of your fire damage claim may seek not only the full value of your property loss, but also punitive damages designed to punish the insurance company for its bad faith tactics.
If you are wrestling with a denied, delayed or underpaid claim, we are here to help. If you feel you have been treated unfairly by your insurance company, call the experienced San Antonio fire damage attorneys at 210-614-9444 or email us to schedule a free initial consultation.
Most of our cases are taken on a contingency basis, which means you do not pay for our services unless we recover a financial settlement for you, either through negotiations or a court judgment.