Norman Home Insurance Claim Denial Lawyer

Owning a home is one of life’s greatest accomplishments, one in which many take pride. After all, they likely spent years carefully budgeting to save enough to purchase their property. In many cases, it is an individual or couple’s most valuable asset.

Consequently, homeowners tend to devote considerable time and effort to identify the best property insurance companies and policies. Protecting their home is incredibly important. Most purchase homeowners insurance with the hope that they will never need to use it, but they trust that, if they do, the insurance company will pay their claims completely and promptly.

Unfortunately, this is not always the case. Every day property insurance companies in Oklahoma underpay, delay, and deny claims in an effort to maintain and improve their profitability. Much to the dismay of many homeowners, these companies are more loyal to their stockholders than their policyholders.

If you have received a claim denial letter or an offer of settlement that does not adequately compensate you for your losses, you do not have to accept your insurance company’s response as final. You have the option of appealing their decision.

That this process can be overwhelming, though. It requires a great deal of paperwork, considerable time, and specific knowledge to create and submit a successful appeal. Engaging a Norman home insurance claim denial lawyer to assist you may be in your best interests.  The team of professionals at Doug Terry Law knows how to effectively manage the appeals process. They are recognized throughout the state for their ability to maximize settlements while minimizing the stress often associated with the appeal process.

As a symbol of their commitment to their community, the firm offers all potential clients a free consultation. Contact them today at 405-463-6362 to schedule yours and learn how they would approach your situation.

Doug Terry Law Is Well-Positioned to Serve You

Why You Should Engage Our Home Insurance Claim Denial Lawyer in Norman

Damage to homes in Norman is not an uncommon occurrence. Dangerous weather patterns, causing tornadoes, fires and floods, result in countless claim submissions each year. Repairing the damage is costly, so property owners need their insurance to compensate them for their losses to repair and rebuild their property.  When insurance companies delay, deny, and underpay claims, property owners suffer. Without this money, many are unable to afford the repairs necessary to make their homes habitable.

As mentioned, your insurance company’s initial response may not be their best or final offer. But many policyholders simply accept these communications and move forward, unaware that they have recourse, particularly if bad faith is involved.

The appeals process can be challenging — the paperwork is complex and time-consuming. Electing to work with a Norman home insurance claim denial lawyer can help you manage your insurance company’s response appropriately

For years Doug Terry Law has been working closely with those in and around Norman, Oklahoma, as they address their insurance issues.  Consider why so many choose them for representation on legal matters:

• Attorney Doug Terry and his team have more than two decades of professional legal experience.
• A commitment to his community is highlighted by providing free consultations to all prospective clients.
• Extensive knowledge of insurance law.
• In-depth understanding of insurance company operations, including the tactics they employ in denying homeowner claims in Norman, Oklahoma.
• Outstanding reputation for providing hands-on, professional service.
• A service approach that takes into account the unique details of each case.
• Compassionate and responsive communication; he keeps his clients apprised of his progress and is always available to answer questions and address concerns.
• A  proven reputation for success.

At Doug Terry Law, our ultimate goal is to maximize your compensation while minimizing the stress associated with insurance claim appeals. As a service provider, a significant portion of the value we bring to those we serve lies in the way we manage your case. We are proud of the reputation we have gained for providing stellar service.

Managing Your Insurance Appeal from Start to Finish

Our Norman Home Insurance Claim Denial Lawyer Handles Everything for You

For individuals who have suffered incredible loss, insurance denials seem personal; after all, you need compensation to repair your property and move forward with your life. Unfortunately, insurance companies are blind to the stories behind the structures they insure. All of their decisions are based on numbers and profitability. For this reason, many people become frustrated as they embark upon the appeals process. In addition to being complicated and time-consuming, it can become emotional.

Engaging a professional home insurance claim denial attorney in Norman is beneficial for several reasons. First, because we are not the owners of the property and we have not sustained loss, we can approach your case logically — emotions will not get in the way.  Additionally, based on our extensive experience, we know how to handle claim appeals appropriately. When you engage us, we assume responsibility for handling everything on your behalf. You can rely on us to:

• Meet with you to obtain a complete understanding of what happened.
• Review all relevant documentation, including your homeowners’ policy, the claims you submitted, and the insurance company’s denials.
• Identify relevant policy language regarding coverage.
• Quantify the total cost of your damages, including additional expenses you may have incurred based upon your insurance company’s initial denial of your claim.
• Complete and submit requisite paperwork per your insurance company’s appeal process, making sure to adhere to any filing deadlines.
• Manage the communication process between you and the insurance company.
• Negotiate a settlement on your behalf.
• Aggressively represent you in court if need be.

Often the simple act of having a Norman home insurance claim denial lawyer communicate on your behalf can be helpful. Once these organizations realize they are no longer negotiating in a position of power, they are more likely to pay those whose reimbursement is warranted.

As your Norman home insurance claim denial lawyer, we understand and appreciate the urgency of your appeal.

We will work tirelessly on your behalf, leveraging the resources of our entire firm.

Rest assured, all actions we take will be in your best interests and, in the end, you will have the final decision when it comes to accepting an offer during negotiations or moving to litigation.

The Insurance Claim Denial Process Can Be Confusing

Our Norman Home Insurance Claim Denial Lawyer Answers Your Questions

As you embark upon a home insurance appeal process you likely have questions. While the answers to many will be specific to your situation, other responses are more general. We have shared some of the most frequently asked questions and our team’s answers below.

My homeowners insurance company just denied my claim. What should I do?

Contact a Norman home insurance claim denial lawyer as soon as possible. Because the appeal process operates under time constraints, you want to give your attorney as much time as possible to work on your case.

My insurance company issued payment on my claim, but it does not compensate me for my losses.  Do I have recourse?

Yes, underpaying claims is a common tactic taken by insurance companies. Immediately contact a denied claims insurance attorney in Norman for advice and counsel on how to address the underpayment. The actions you take can impact your appeal.

I believe my property insurance company acted in bad faith. How long do I have to address this?

In Oklahoma, you have five years in which to file a bad-faith lawsuit. That said, you don’t want to wait; your denied claims attorney in Norman can leverage time to investigate and build a strong case.

If my insurance company is found guilty of bad faith, what additional damages could I receive?

Exact damages will vary from case to case, but bad faith damages may include reimbursement for the denied claim plus interest, legal fees, relocation costs, and non-economic costs like emotional distress.  In some cases, punitive damages may be awarded as well.

We hope the information above is helpful. Contact our team today to schedule your free consultation during which we can learn more about your situation and share how we can approach it.

Doug Terry Law Is Ready to Fight for You

Contact Our Team Today

Has your property insurance company delayed, underpaid, or outright denied your claim? If so, you are likely disappointed and overwhelmed. While property damage is an unfortunate occurrence, you likely never considered the possibility that your insurance company wouldn’t make good on the protections they had promised.

This is where we add value. The team at Doug Terry Law knows how to handle appeals efficiently and effectively. We leverage our experience on behalf of our clients every day and take the time to ensure we provide the high-quality, responsive service for which we are known.

When it comes to insurance appeals, time is incredibly valuable.  Engaging professional representation sooner rather than later allows us time to fully investigate, identify and substantiate damages, and build a solid case.

Contact us today at 405-463-6362 to schedule your free consultation.  Our firm was founded on the belief that regular people deserve access to the same high level of representation that insurance companies leverage. We are committed to upholding your rights and working to maximize your compensation.