Property Insurance Coverage Litigation

Fighting Denied Claims, Unpaid Claims, Delayed Claims and Bad Faith Issues for Homeowners and Business Owners

Insurance providers market themselves as good neighbors who are ready to help policyholders whenever needed. The truth is insurance companies make a profit by collecting more in premiums than they pay out in claims. In other words, insurance adjusters work to protect their bottom line by finding a technicality or loophole to deny a valid claim.

Before starting his own firm, the Firm's founder worked with a law firm that defended insurance companies. That experience arms him with an insider's perspective into insurance companies' strategies. The ability to anticipate an insurance company's approach allows Wright & Associates to maximize the value of your claim - in court if necessary.

Wright & Associates can help you protect your rights if your insurance company:

  • Has denied your claim,
  • Has denied coverage,
  • Has demanded an "Examination Under Oath"
  • Has sent you a letter "reserving its rights" to deny your claim, or
  • Has not reviewed a claim within a reasonable amount of time.

At Wright & Associates, our team is focused on helping homeowners and business owners. Wright & Associates does not handle health insurance or life insurance disputes. Wright & Associates only handles the most severe automobile insurance and uninsured motorist cases.

Protecting the rights of Homeowners

Wright & Associates represents homeowners in a broad range of insurance disputes, including:

  • Homeowners insurance disputes
  • Umbrella and excess liability insurance disputes
  • Vandalism Claims
  • Theft Claims

Advocates for your Business

Wright & Associates represents business owners in a broad range of insurance disputes, including:

  • Business Policies
  • Liability Insurance Disputes
  • Business Interruption Claims
  • Vandalism Claims
  • Theft Claims

Denied Claims

If the insurance company has denied your claim, it is probably relying on how it interprets the insurance policy. Insurance policies are long, convoluted and complicated documents that are written by an army of lawyers.

Often, when insurance disputes arise, even the insurance adjuster doesn't understand the language of the contract and must turn to lawyers to help interpret what has been promised. Policyholders who have suffered a loss also need a lawyer who can help them understand the complex language of an insurance policy and maximize the amount they recover.

If you face an insurance coverage dispute, it is important to put an experienced, knowledgeable and assertive lawyer in your corner. It is never too soon to consult an attorney about your insurance problem.

A Consultation Is The First Step

If you do not timely assert your rights, the insurance company will argue that you have waived them. Wright & Associates encourages you to schedule a free initial consultation in which our team can review the facts of your case, offer a frank assessment and recommend the best course of action. Sometimes signaling the insurance provider that you are prepared to fight for your rights is all it takes to resolve the matter. In other cases, Wright & Associates may need to take the insurance company to court. Use the contact form on this website or call 614-715-4686 to make an appointment.

FAQ

Insurance

General

Insurance

Q: What is the insurance company’s goal?

A: The insurance Company’s goal with your claim is to pay you the least amount possible so they make the most profit. An insurance company is a business. Like any business, insurance companies want to make a profit. The insurance company makes profit by taking collecting more in premium payments than it pays out on claims. The insurance company can also make money by delaying paying your claim so it can collect interest on the money already paid in premiums. The insurance company will not help you to protect and preserve your rights

Q: What is an insurance adjuster’s job?

A: In short, the insurance adjuster’s job is to save the insurance company money. Keep the following in mind when speaking with the adjuster.

  1. Insurance adjusters are not your friend.
  2. Insurance adjusters are not on your side.
  3. The adjuster has no legal obligation to you whatsoever.
  4. It is not the insurance adjuster’s job to help protect your rights.
  5. Insurance adjusters want to take what you say and use it against you.
  6. Insurance adjusters are trying to minimize and undermine your rights.
  7. The insurance adjuster has no interest in seeing that you are treated for your injuries.
  8. Insurance adjusters are well-trained professionals whose job is to minimize your claim.
  9. Insurance adjusters want to save their company money, so they can look good on their performance review.
  10. Insurance adjusters are trained to be nice to you so you will not hire a lawyer. Do not the friendly demeanor fool you.
  11. Insurance adjusters are not bad people – they are doing their job. Their job is to pay the least amount possible on your claim.
  12. Often times, the insurance company represents the person who hurt you. In other words, insurance adjusters are not trying to help you – they are trying to help the person who hurt you.
  13. Insurance adjusters may discourage you from getting a lawyer. Insurance companies do not want you to get a lawyer because people who get lawyers make the insurance company pay more money.
  14. The insurance adjusters want to keep you in the dark about your rights. The insurance adjuster will not help you find all the coverage you are entitled to under the insurance policy – like medical payments coverage and car rental coverage.
  15. An insurance adjuster may say "don’t get a lawyer, a lawyer will take your money." Setting aside the fact that the adjuster may be practicing law without a license, in most cases, the adjuster is wrong. A lawyer will typically get you more money.

Q: What does my insurance cover?

A: It depends on the language of the your insurance policy and the insurance policies of the people you live with. A good lawyer will request the insurance policies and find all the available insurance coverage.

General

Q: How much is an initial consultation?

A: Generally, Wright & Associates does not charge for an initial consultation.

Q: Why should I hire Wright & Associates?

A: Wright & Associates:

  1. Ben has experience trying cases.
  2. Ben has experience arguing appeals.
  3. Ben and his team will protect your rights.
  4. Ben and his team will gather the necessary evidence.
  5. Ben and his team are professionals who are committed to your case.
  6. Ben and his team have the experience and resources to investigate your claim.
  7. Ben and his team will prevent you from giving statements against your interest.
  8. Ben and his team will come to you if you cannot come to us.
  9. If Ben does not think he can get you more money than you could without a lawyer, then he will not take your case.
  10. Ben and his team will put you on equal footing with the insurance company and their well-trained and experienced adjustors.
  11. Ben is a former insurance lawyer. Since he used to represent the insurance company, he understands how a insurance company may try to minimize your claim.

Q: Do you accept credit cards?

A: Yes.

Q: How much time do I have to file a lawsuit?

A: It depends on the claim you want to assert. While some statutes of limitations are set by law, other limitations are set by the terms of a contract. The bottom line: You should consult with a lawyer as soon as possible. Once the statute of limitations runs, you may be forever barred from recovering for your damages.