When you secure a policy of insurance to protect your home and personal possessions, you expect to be covered by that policy when you sustain a loss. However, when an adjuster looks at your claim after you have sustained a loss due to theft, fire or water, s/he may make you less than a fair offer because you do not know the extent of your rights. The adjuster may even deny or only partially pay your claim without a conducting a proper investigation to place pressure on you to take less than you are entitled to because you are in a desperate situation.
If you are (or have been) required to submit a “sworn proof in loss”, appear for a sworn statement or examination under oath, produce documentation that is difficult or impossible to secure, your claim may be denied. Further, if you have been sent a “reservation of rights” letter, your claim is under investigation and at risk for a denial.
Your rights are not only determined by your policy, but by the Illinois Insurance Code. Research shows that insured’s with attorneys recover more than those that are unrepresented.
Do not let an insurance company offer you less than the value of your claim or discourage you from retaining counsel. Do not wait until your claim is denied to call an attorney.
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