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Seattle Homeowners Insurance Attorneys

The Seattle insurance attorneys at Olive|Bearb Law Group, PLLC know that people rely on insurance to protect the things that matter the most: their health, their loved ones, their home. In particular, homeowners insurance claims unfortunately often turn from this simple concept to something dense, confusing and altogether impenetrable for the people it is intended to help. Most homeowners policies are written in complex legalese, and when the unfortunate time comes for a claim to be made, people find themselves unsure of where to turn. The homeowners insurance attorneys at Olive|Bearb Law Group, PLLC have the experience and legal knowledge that can help sort out the most complicated homeowner policy issues and make sure claims are fully and fairly paid.

Olive|Bearb Law Group, PLLC handles a wide range of insurance issues including:

Some of these issues may arise during your homeowners policy claim. Typically, a homeowner comes to Olive|Bearb Law Group, PLLC in the event that their insurance company has denied, unreasonably delayed payments or undervalued payments on their homeowners insurance claims. Insurance companies sometimes use the complexity of the process as a means to treat their insured unfairly. For example, there is a difference between actual cash value and replacement cost value for damaged personal property items. The monetary difference between these two can be very large and it can sometimes be difficult for a policyholder to understand which they are entitled to under their policy. While most homeowners policies are meant to simply cover aspects of the home that are damaged or otherwise considered a loss, insurance companies often use convoluted mathematical formulas in determining their payout which may or may not match the real world costs involved. This can leave a policyholder who, for example, just suffered a fire, unable to afford to repair the home or repurchase personal property items. These are the kinds of issues for which Olive|Bearb Law Group, PLLC may be able to help.

Obligations and Duties of the Insured (Policyholder)

No matter how bad the damage to your house is, there are time limitations on homeowners insurance after the damage has occurred. Your policy may have many conditions on the filing and processing of a claim, such as providing timely notice and proof of loss, fulfilling the requirements of a cooperation clause, and submitting to examination under oath, and failing to comply with any of these terms may negatively affect your claim. The prompt consultation of an attorney can prevent you from unknowingly losing your rights under the policy.

These are just some of the crucial issues in your homeowners insurance policy that the homeowners insurance lawyers in the Seattle law office of Olive|Bearb Law Group, PLLC can guide you through. If your homeowners policy claim has been denied or delayed, or you simply need counsel on what your policy provides you, please contact the Olive|Bearb Law Group, PLLC office at 206-629-9262.