There is some confusion as to what is assignment of benefits or AOB. Assignment of benefits is a legal tool that allows a third party to be paid for services performed for an insured or policyholder (property or automobile owner) who would normally be reimbursed directly by the insurance company for a covered loss. In […]Read the rest of this article »
Haahr Law Group specializes in helping homeowners navigate the many issues associated with making a claim to their insurance company. We have experience dealing with the insurance company’s valuation and interpretation of policy provisions which often results in underpayment of a loss, partial or full denial of coverage.
We provide assistance with presenting the claim to the insurance company to optimize the likelihood of a fair and timely resolution. If that is not possible, we provide our clients with the insight and assistance they need to take legal action against their insurance company.Read the rest of this article »
Property insurance policies generally have an “ordinance or law” exclusion, which means that the policy covers the building as it exists, but it does not cover the cost to upgrade the building to current building codes and ordinances after a loss. This means that if the current building code or local ordinances require you to upgrade the property – the cost to do so may not be covered under your insurance policy without the added coverage for ordinance or law.Read the rest of this article »
Haahr Law Group specializes in helping business owners and property owners with the many issues associated with making a claim to their insurance company. After a loss, you want to resume business operations as soon as possible. We have experience dealing with the insurance company’s valuation and interpretation of policy provisions which often results in underpayment of a loss, partial or full denial of coverageRead the rest of this article »
Condominiums, like other types of homes, can experience accidents and disasters. Even though owners hope to never have to use it, condo insurance policies are an important part of protecting personal assets and property. When the unthinkable happens, you need to know how to file a condo insurance claim so you can receive your reimbursement quickly and get things back to normal.Read the rest of this article »
A fire to your home can be a devastating experience. The loss of property, irreplaceable memories, and personal items can be overwhelming. When you need help the most, you want to be able to count on your insurance company to help return your home to normal. Getting the full amount to replace or repair your […]Read the rest of this article »
Neighbors watch out for each other during the holidays (assuming your neighbor isn’t the Grinch), and your neighbors at Haahr Law Group want to watch out for you. While we normally work to help you after something goes wrong, we’d much rather you never experienced a problem in the first place.Read the rest of this article »
Following a storm of any kind, your property can experience wind, flood damage or both, resulting in serious losses to both the exterior and interior of your home or business.
Determining which type of claim to file and for what can be difficult. Sometimes water intrusion is a direct result of wind, while other times water damage is a result of flooding. A wind claim is generally when wind causes damage to the property either by direct physical damage or by wind-driven rain. Flooding is considered an overflowing of a large amount of water beyond its normal confines, especially over what is normally dry land.Read the rest of this article »
The 2016 hurricane season has been one of the busiest and costliest hurricane seasons in recent years. Hurricane Hermine, Tropical Storm Colin, and Hurricane Matthew have brought wind, flooding, and downed trees to Florida residents. Not all damage from a storm is immediately visible, and in some cases a roof can be damaged but not show signs for weeks or months after the fact.Read the rest of this article »
Homeowners purchase insurance to protect their greatest investment, with the hope that they never have to use it. However, storms come and accidents happen. When it’s time to submit a home insurance claim, time is of the essence. There are a handful of common mistakes seen in insurance claims that can result in denied or […]Read the rest of this article »