Has your insurance company delayed or denied payments of a legitimate claim? Have you experienced a change in your policy without proper notice? Do you feel you’ve been treated unfairly?
Unfortunately, these are common complaints from policyholders. At Harmon Law, we are able to prevent insurance companies from taking unfair advantage of policyholders during the claims process. We do this in part by understanding the terms and conditions of your policy coupled with knowing your rights under Michigan law. In the event of a loss to your home or business, the claims adjusters assigned by your insurance company often don’t have your best interest in mind.
While claim adjusters work on behalf of the insurance company, Harmon Law works on behalf of the policyholder by offering comprehensive insurance claims services, including claims adjusting and coverage litigation.
Our innovative approach provides home and business owners peace of mind by including legal services in all claims adjusting agreements, and at no additional charge.
Our licensed adjusters have experience handling all types of home and business insurance claims. Each Harmon Law adjusting agreement includes legal representation at no additional charge. Having an attorney and adjuster working for you can help you get the highest settlement under your policy.
Here is a non-exhaustive list of the types of claims that we handle:
Insurance companies often stall and wrongfully deny claims. At Harmon Law, our priority is to hold the insurance companies accountable in a manner that is fair and just to the policyholder. When it comes to complex insurance claim issues, you need quality legal representation to level the playing field. Our attorneys that are specialized in insurance disputes will properly analyze your case, explain potential outcomes, and help you in understanding how to achieve the most favorable result.
Our legal services are offered in all claims adjusting agreements at no additional charge. They include representation during Examinations Under Oath (EUO), fraud investigations, and other non-litigation proceedings.
As the home or business owner, the critical first step in recovering your losses via your insurance policy starts with you. Proving the extent of the damage and substantiating that the insurance claim is covered by the policy is your responsibility. Unfortunately, failure to fulfill your obligations can often result in a denial of your claim or an unfair settlement.
Our extensive experience handling insurance claims means we are able to help you get the outcome you deserve. We understand exactly what you are obligated to present under your policy and what you’re entitled to under Michigan insurance law.
The insurer requests an Examination Under Oath when there is suspicion that a claim may be fraudulent. During this stage of the claims process, the insurer compiles several documents from property owners in an effort to build a case against the policyholder. The Examination Under Oath process can last anywhere from a couple of hours to a couple of days. Upon receiving an EUO request, we highly suggest you hire an insurance attorney to guide you through this process.
Our attorneys will advocate for you and your rights while advising you along the way. We will assist you with practicing your testimony, familiarize you with the techniques of the insurance company’s attorneys and lend knowledge about the EUO process.
In the event that the insurance company is unwilling to pay the full amount you are owed, the policyholder must submit a Demand for Appraisal to the insurer. The Demand for Appraisal is a request to have a neutral third party resolve the monetary dispute between you and the insurance company. The neutral third party is called an umpire. You must prove to the umpire that you are entitled to more money than the insurance company is willing to pay. Our involvement in the appraisal process ensures that the full extent of your insurance loss is adequately presented to the umpire.
The most common case against insurance companies is when an insurance company wrongfully denies coverage and/or refuses to pay homeowners the requisite amount of money. In these circumstances, Harmon Law can help to recover everything that you are entitled to under the policy and Michigan insurance law by filing a suit against the insurer. We hold insurance companies to the highest standards and ensure that they are complying with the terms of the policy.