If you have suffered property damage to your home, you likely have many unanswered questions about how the residential insurance claims process works. At McClenny Moseley & Associates, we have built our firm advocating for those who feel betrayed by their insurance companies. Our residential insurance claim attorneys are devoted to ensuring our clients get the fair settlement they deserve as quickly as possible. During the homeowner’s insurance claims process, your case will go through several stages, and it is important that you are aware of what those steps entail.
It’s always better to have an experienced homeowner’s insurance lawyer on your side. At McClenny Moseley & Associates, PLLC, our firm has extensive experience dealing with insurance companies and guiding our clients through every step of the litigation process.
Within days of signing with McClenny Moseley & Associates, we will send a letter of representation (“LOR”) to send to your insurance carrier. This document notifies your insurance company that McClenny Moseley & Associates is representing you. In the letter of representation, we will also request certain documents to ensure your claim is protected, and everything is in order.
If your insurance carrier reaches out to you directly, kindly inform them that you are represented by counsel and to contact McClenny Moseley & Associates.
While we wait to hear back from your insurance company, we will send an expert estimator to evaluate all of the damages to your property. The expert will come out to your property to take detailed photos of your damages and will then write an estimate of the cost of the repairs using the same estimating software used by your insurance company. The estimate is an essential part of the process because it is a valuable tool to settle your claim. The estimator will reach out to you directly to schedule the estimate.
Once the estimate is complete, we will send the estimation package to your insurance company. You can expect this process to take a month or so.
After the expert evaluation is sent to your insurance company and they have had some time to complete their review, we will schedule a settlement discussion of your claim – also known as a pre-suit mediation. Pre-suit mediation is where all parties in the case come together to pursue an early resolution to the dispute before litigation. Our attorneys will do everything we can to fight for you and to get you the money you need to fix your property as soon as possible! Be on the lookout for an email with important information regarding the mediation.
If the insurance company refuses to engage in pre-suit mediation or otherwise reasonably with us, we will proceed to file a lawsuit on your behalf. At this stage, we will be doing everything possible to engage with the courts, move your claim through the litigation process, and get your claim into a substantive mediation.
The next time you should expect to hear from us is to collect certain responses necessary to answer discovery questions sent by your insurance company. It is crucial that you complete these discovery answers as thoroughly as possible for the best outcome.
The settlement process may happen after step 3 or 4 listed above, and it is always our goal to help you reach the settlement phase as quickly as possible. Now that your case is settled, we want to congratulate you and discuss next steps. First, your insurance company will prepare a settlement release. This contract basically says that they will write you a check if you agree not to sue them. Once you receive the settlement release, we will send you instructions on executing it.
This process involves the execution of release and an internal document with our office called a breakdown. The release memorializes in writing that the claim has been settled amongst all parties. The breakdown entails the settlement amount, attorney fees, and expenses.
Once the documents are executed, and their release is provided to the insurance company, they will mail the settlement check to our office. We will then begin the process of dispersing the settlement funds.
Don’t go up against your insurance company alone! If you are involved in a disagreement with your homeowner’s insurance company regarding a claim, you need the best legal team on your side. Our fearless attorneys at McClenny Moseley & Associates, PLLC, will fight for what you deserve.
At McClenny Moseley & Associates, our firm’s goal is to provide our clients with the best possible legal representation. Our Houston homeowners’ insurance claims lawyers are committed to your case, and we will keep you informed of all case updates and developments. We look forward to assisting you in any way we can. For additional information about the home insurance claims process, please visit our Frequently Asked Questions or contact our team directly.