If you’ve had a termite infestation that’s caused major structural damage to your home or business, it can rob you of a great deal, possibly even making your property unsafe to inhabit. When your claim is denied, figuring out how to move forward can feel impossible. Your Disaster Insurance Claims team at Long & Long Attorneys At Law is here to help you get the most out of your insurance claim so you can get the compensation you need to rebuild and move forward.
We'll Fight for You
You’ve paid for insurance coverage and you have rights. We’re just a phone call away, and we’re ready to fight for you today.
Results That Matter
You need results that matter. We’ll work tirelessly to hold the insurance company responsible for paying the settlement you deserve.
Free Policy Review
It doesn’t cost a single penny to get started. Just get in touch today and we’ll provide a thorough policy review at no cost to you.
We Know How Devastating Termite Damage Is
When your house suffers severe damage from a termite infestation, it can turn your life upside down. You may have had no clue that you were even infested until the roof caved in, or your house became structurally unstable. You need money from the insurance company to rebuild, and if they deny you, you have every right to be angry. Whether you’re in Houston, TX, Orange Beach, or Mobile, AL, our termite insurance claims lawyers are ready to help and ready to serve as your trusted ally in the fight for the settlement you’re owed.
We’ve Collected Over $500 Million in Settlements For Our Clients
We’ve helped our clients secure millions in settlements from insurance companies that wanted to withhold what was rightfully due. With our in-depth knowledge of the insurance industry, we’re prepared to help you with your termite damage insurance claim.
Termite Damage Claims: Frequently Asked Questions
There are a lot of reasons why your claim might be denied: improper coverage, missing coverage, denial of the amount of damage you claim, and others. Insurance companies look for reasons to deny claims, and our termite damage attorneys are here to help you fight those denials and get the settlement you need.
The insurance company assumes that when it denies your claim, you won’t fight back. The insurance company will also have its own lawyers in its corner looking for legal loopholes to deny you the money you need. Having your own attorney to defend your termite repair claim can challenge their denial and give you the best shot at a settlement to rebuild.
This is often the first question that comes up in claims. Understanding your policy can be tricky, and the insurance company goes to great lengths to leave itself ways to get out of claims. Calling the Disaster Insurance Claims team at Long & Long Attorneys At Law for a free review of your policy is a great way to understand what you’re dealing with and to help you avoid pitfalls.
There’s absolutely no charge for your claim and policy review. That’s the first step. Then, if we don’t collect a settlement for you, there won’t be any charge at all. Simply put, you won’t even owe us a dime unless we collect for you.
Often these claims are settled out of court because a court trial can be time-consuming and expensive. It’s also an all-or-nothing affair, meaning it is usually in the best interests of both parties to settle. If we do have to go to court, though, be assured we’ll fight for you every step of the way.
What Should You Do If Your Home or Business Has Been Damaged?
If your home or business has been damaged, it may feel confusing and challenging to know what to do next. You need a settlement to begin repairs, but what if you do something that lessens your chances of getting the settlement you really need?
When facing the aftermath of termite damage, make sure you follow these important steps to maximize your chances at receiving the settlement you deserve.
Thoroughly Document the Damage
Take all the photos you can, and make detailed notes of the damage at all levels.
Don't Base Your Claim on Contractor Bids
Contractors can raise their prices after they start working, so if you base a claim on a bid, you may find yourself short on the money you need.
Watch Out for Underinsurance Penalties
If you're underinsured, the insurance company can hit you with penalties that can greatly reduce your settlement.
Reasons Why Your Termite Damage Claim was Denied
The insurance company might claim that you should’ve known about the infestation and taken action to correct it. The insurance company is implying that you were negligent and that it’s your fault.
Whether they call it an act of God or claim that you don’t have the specific insurance you need, insurance companies will often find reasons to claim that you’re lacking essential coverage. Let us show them that you do have the coverage that requires them to pay your settlement.
Very often, insurance companies deny your claim based on the idea that your damage assessment isn’t all that bad. A qualified termite insurance claims attorney can help demonstrate in detail that it is that bad, and provide evidence to support the claim.
Passing the buck is an often-used tactic of insurance companies. They might claim that if you had a pest control company in and the problem continued, you’ll need to sue the pest control company. While this may be the case, your termite insurance claims lawyer can help you sort through the red tape and hold the right party accountable.
All too often, you’ll get a claim denial without any reason for it at all. When this happens, it’s essential to contact a termite repair claim attorney to force them to back up the denial and to fight to get you the settlement you need.
Don’t Trust the Insurance Adjuster’s Motives
Insurance adjusters often try to come off as compassionate at first, but make no mistake: Their goal is to avoid maximum payouts. Let our team assemble a detailed assessment of the damage you’ve suffered and help hold the insurance company accountable for unfair claims denials.