Homeowners Insurance Disputes In Virginia
Paying homeowners insurance premiums for years can be frustrating if you file a claim only to have it denied or disputed. Whether they refuse to pay, operate in bad faith or offer insufficient compensation, it undermines the purpose of your coverage, which is protection and support in a time of need.
Call us at Spicer, Olin & Associates, P.C., in Blacksburg, Virginia, if you are being mistreated by an insurer. Our lawyers have 30-plus years of combined experience. We are known for our deep legal knowledge, our successful results and our open communications. We serve a wide swath of Virginia and offer virtual consultations for your convenience.
What Events Does Your Insurance Policy Cover?
Homeowners insurance exists to provide financial protection against a variety of unexpected events that can damage your property. Examples of common claims include:
- Structural damage: Fire, weather damage, theft and vandalism
- Personal property damage: Items such as furniture, appliances and clothing. High-value items like jewelry may require additional policies
- Water damage: Rain, floods, weather events and issues including sewer and water backup
- Detached structure damage: Garages, barns, outdoor entertaining areas and storage sheds.
- Interior problems and damage: Roof leaks, mold, termite infestations and foundation cracks
Special policies might be necessary for extreme events such as earthquakes, windstorms, hurricanes, tornadoes and other natural disasters.
Common Homeowner Insurance Disputes
Unfortunately, insurance companies do not always treat policyholders fairly. In addition to denying claims and delaying payment, they may also:
- Offer payouts that do not cover damages and losses
- Use deceptive bad faith practices to avoid paying claims
- Demand unnecessary or repetitive paperwork
- Mislead policyholders about their coverage
- Overlook or dismiss valid evidence
- Unjustly cancel policies after a claim to avoid payment
Our attorneys can help facilitate fair compensation amid any of these unlawful actions on the part of the involved insurance company.
Get The Compensation You Paid For
If you are in a dispute with your insurance company, call us in Blacksburg at 540-315-8799 or contact us online to schedule an in-office or virtual consultation. You can trust our team to protect your rights vigorously.
