Your homeowner's policy is, very likely, full of complex and ambiguous language that is difficult to understand and is often used by insurance companies to deny claims. Most homeowner's polices have four specific types of coverage:

First, coverage for liability if someone other than you is injured on your property due to your negligence. In the unfortunate event that someone is injured on your property, your insurance company has the duty to hire an attorney and defend you against a lawsuit and the duty to pay any legitimate claims.

Second, you will most likely have coverage for your home itself. This coverage will protect you against any number of situations where your home suffers damage from wind, hail, vandalism, fire and many other unforeseen circumstances.

Third, you will likely have coverage for the personal possessions in your home. Unfortunately, many times when our clients have presented claims for possessions, insurance companies routinely manage to take the position that your possessions are not worth anywhere close to the actual value of the item.

Finally, your policy will have coverage for Additional Living Expenses (ALE). If your property suffers a covered damage loss, your insurance company is required to pay for living expenses over and above your normal expenses during the time for which you are forced to evacuate from the property and live elsewhere. Unfortunately, these claims are also often contested by insurance companies who seek to pay less than you deserve. We see these problems most often with fire claims.

At the law firm of Hemmings & Stevens, PLLC, we have litigated homeowner's claims in court and can advise you of your options.

This article regarding Homeowner's Insurance Claims is for informational purposes only and is not legal advice. You may need to seek the advice of a Homeowner's Insurance Claim lawyer at the law firm of Hemmings & Stevens, PLLC, that has experience in these matters, to help you, if you have a Homeowner's Insurance Claim in dispute.