Maui fire lawyers
As the aftermath of the Maui wildfires continues to wreak devastation, people are trying to navigate insurance claims and find ways to move forward. However, some insurance companies are denying claims, creating confusion and frustration among homeowners. In this article, our team of experienced lawyers will examine the implications of these denials and offer guidance for people looking to file an insurance claim in the wake of a disaster.
Insurance companies have a responsibility to act in good faith and treat policyholders fairly. When they don’t, this can be a violation of the law and is known as bad faith. Fortunately, our Honolulu bad-faith insurance Maui fire lawyers can help you fight for the compensation you deserve.
Many Outer Island injury claims are handled out of our main office in Honolulu because the investigative workup and witness statements often take place on the various islands. In some cases, however, it’s important that an attorney travels to the accident site or home island to gather photos, videos and statements on your behalf. Depending on the type of case, it may also be necessary to consult with experts to conduct an analysis of the facts and circumstances surrounding your accident.
How do Maui fire lawyers negotiate with insurance companies?
Filing an insurance claim after a natural disaster can be a complex and time-consuming process. There are many factors that must be taken into account, including the scope of damage and the valuation of lost items. Additionally, disputes can sometimes arise over the coverage, exclusions and limitations of a particular policy. If a dispute is not resolved quickly, the insurance company may deny the claim.
When a disaster occurs, the insurance company has to balance the need to provide prompt assistance to victims with the need to protect its bottom line. This is a difficult task, and it’s not uncommon for insurers to raise rates or limit coverage in areas that are at a high risk for natural disasters.
Insurance companies are also concerned that they may be forced to reassess the risk of insuring Hawaii residents in the coming years as they reevaluate their risks for natural disasters, such as hurricanes and wildfires. One company, Universal Property & Casualty, has already issued a moratorium on new policies in certain areas of the state where fires have ravaged homes and businesses. Other large homeowners’ insurers, such as Allstate, DB Insurance Co. and Liberty Mutual, have declined to comment on whether they have also issued a moratorium or are considering doing so.
The complexities of dealing with an insurance company after a disaster can be overwhelming, especially when the process is complicated by the emotional toll that a disaster can take on survivors. For this reason, it’s important to work with an experienced insurance claim lawyer. At Nadrich & Cohen, our Maui fire lawyers have extensive experience handling insurance claims and can provide the representation you need to get the compensation you deserve. Contact us today to schedule a free consultation.