Insurance Claims Lawyers | Keller Swan Insurance Claims Attorneys

When disaster hits, individuals and businesses rely on insurance to cover their losses and secure their future. But insurance companies deny, delay or underpay valid claims and leave policyholders in a bind. At Keller Swan Insurance Claims Attorneys we will help you fight for what you’re owed from your insurance company.

Insurance Claims Law

Insurance claims law is supposed to give policyholders fair compensation for losses covered under their policies. But insurance companies will try to avoid full payment, citing policy language, technicalities or lack of documentation. Keller Swan Insurance Claims Attorneys know the tricks insurers use to protect their profits and how to counter them to get fair settlements for our clients.

Types of Insurance Claims We Deal With

Insurance claims can come from various types of policies and situations. Our team at Keller Swan can handle all sorts of insurance claims including but not limited to:

1. Homeowners Insurance Claims (fire, flood, wind, theft, vandalism)
2. Property Damage Claims (residential and commercial)
3. Business Interruption Claims (lost income due to disasters or shutdowns)
4. Auto Insurance Claims (accidents, theft, damage)
5. Life Insurance Claims (denied or delayed payment, disputes over benefits)
6. Health Insurance Claims (denied coverage, underpaid claims)
7. Disability Insurance Claims (long-term or short-term disability)
8. Natural Disaster Claims (hurricanes, earthquakes, floods, fires)
9. Liability Claims (personal liability, professional liability, product liability)
10. Personal Injury Protection (PIP) Claims (medical expenses, lost wages from auto accidents)

We have experience in many areas. Keller Swan Insurance Claims Attorneys will fight for you to get what your policy says you’re owed.

Notable Insurance Claim Cases Over the Last 10 Years

Insurance claim disputes have led to many high profile cases across the U.S. in recent years. Here are a few examples:

1. Hurricane Sandy Insurance Disputes (2012-2014)

After Hurricane Sandy hit the East Coast, thousands of homeowners had their claims denied or underpaid. Many lawsuits followed and insurers were hit with settlements and fines for bad faith denial of coverage. These cases showed the importance of transparency and fair play by insurers.

2. Blue Cross Blue Shield Health Insurance Settlement (2018)

In a multi-state lawsuit, Blue Cross Blue Shield was accused of unfair practices on health insurance claims. The court ordered a $2.67 billion settlement to compensate affected policyholders and to hold health insurance accountable.

3. California Wildfire Claims Settlement (2019)

After California’s wildfires, multiple insurers were sued for lowballing settlements. In a big win, policyholders got $1 billion. This case shows how hard it is for policyholders to navigate claims after a big disaster.

4. COVID-19 Business Interruption Claims (2020-2022)

Thousands of businesses had business interruption claims denied when COVID-19 shut them down. Legal battles continue with many courts ruling in favor of businesses, especially those whose policies didn’t exclude pandemics. This case shows businesses need to know their coverage and insurers need to pay legitimate claims.

2023 and 2024 Insurance Claim Cases

1. Florida Hurricane Insurance Dispute (2023)

In 2023 a big hurricane hit Florida and left the state in shambles. Thousands of homeowners had their claims denied or lowballed and lawsuits followed. A court ruled $850 million in damages. This shows how important legal representation is in insurance disputes after a disaster.

2. National Health Insurance Class Action (2024)

In 2024 a class action lawsuit against multiple health insurance companies accused them of denying coverage for essential procedures. A $1.2 billion settlement was awarded to policyholders. This shows the importance of clear policy language and transparency in health insurance.

Insurance Claim Challenges

Insurance claims are complicated and getting compensation is tough. Here are some of the challenges:

1. Vague Policy Language

Insurance policies are full of complex language and exclusions. Policyholders can’t fully understand their coverage. Insurers use these ambiguities to deny or reduce claims.

2. Lowball Settlements

Insurers often make lowball offers to settle claims fast. These offers never reflect the actual loss. Our attorneys will negotiate fair settlements and get you what you’re owed.

3. Delay and Bad Faith

Insurers may delay claims to hope policyholders will get frustrated and settle for less. Some even engage in bad faith practices like misrepresenting policy language or ignoring valid claims. Keller Swan Attorneys know how to identify and fight bad faith.

4. Burden of Proof

Insurers require a lot of documentation to process claims and put the burden of proof on the policyholder. Gathering enough evidence can be tough, especially in complex cases like property damage, health issues or business losses.

At Keller Swan Insurance Claims Attorneys we know these challenges and will simplify the process for you, handle all communication with the insurer and make sure you’re treated fairly throughout the claim process.

What to Do if Your Claim is Denied

If your claim is denied do the following to protect your rights and increase your chances of a successful appeal or lawsuit:

1. Ask for a Written Explanation: Get a written explanation from your insurer.
2. Get Documents: Collect all relevant documents, policy, correspondence with the insurer, photos, medical records, repair estimates.
3. File an Appeal: Many insurers have an internal appeals process. Submit your appeal with additional documents or clarification.
4. Contact Keller Swan Insurance Claims Attorneys: If your claim is still denied or you’re experiencing delays, call us. We’ll review your case, help with the appeals process and take legal action if needed.

Insurance Claim Disputes FAQ

1. Why was my claim denied?

Claims can be denied for many reasons including lack of documentation, coverage exclusions or policy language disputes. Asking for a written explanation from your insurer will help you understand why.

2. How long does it take to settle an insurance claim dispute?

Timeframe varies depending on the complexity of the claim and the insurer’s response. Some can be resolved in weeks, others in months or even years if litigation is involved.

3. Can I sue my insurer for denying my claim?

Yes, if your insurer denies a valid claim or engages in bad faith you may be able to sue. An attorney can help you determine if litigation is the way to go.

4. What is bad faith in insurance claims?

Bad faith means dishonest or unfair practices by the insurer, such as delaying claims, denying claims without reason or misrepresenting policy language. Bad faith claims can result in additional recovery for the policyholder.

5. What can I recover in an insurance claim lawsuit?

You can recover your policy benefits, attorney fees and in some cases additional damages if the insurer acted in bad faith.

6. How do I prove my claim is valid?

Gather evidence like photos, repair estimates, medical records and eyewitness statements. An attorney can help you gather and present that evidence.

7. Will an attorney get me more money?

In many cases, yes. Insurers will offer better terms when they know the claimant is represented by an experienced attorney.

8. Do insurance claims attorneys work on contingency?

Most insurance claims attorneys, including Keller Swan, work on a contingency basis. That means you only pay if we win your case so legal representation is available without upfront costs.

9. Can I negotiate with my insurer myself?

Yes, but remember insurers will take advantage of policyholders who don’t have legal experience. An attorney can negotiate a fair settlement for you.

10. What if my claim is only partially approved?

If your claim is underpaid you can appeal or seek legal help to get the full amount. An attorney can help you understand your options and pursue additional recovery if needed.

Insurance Company Tricks in Claims Disputes

Insurance companies will use many tricks to minimize or deny claims:

• Deny Liability: Insurers will say the claim isn’t covered under the policy.
• Low Ball Offers: Initial offers are always way below the claim’s value.
• Delay: Insurers will delay to pressure the claimant into taking lower offers.

At Keller Swan Insurance Claims Attorneys we know these tricks and are here to counter them. We provide our clients with the support, guidance and advocacy they need to get fair settlements.

Why Keller Swan Insurance Claims Attorneys?

Keller Swan Insurance Claims Attorneys bring experience, dedication and a results oriented approach to every case. We will make sure policyholders get the full benefits of their coverage and hold insurers accountable for bad faith.

Our Process

• Full Case Review: We review everything in your case, from policy language to documented evidence.
• Skilled Negotiators: Our attorneys know how to negotiate fair settlements with insurers.
• Aggressive Representation: If necessary we will take your case to court to get you the money you deserve.

Get in Touch: Keller Swan Insurance Claims Attorneys Today

If your claim has been denied, delayed or underpaid don’t go it alone. Keller Swan Insurance Claims Attorneys will fight for the compensation you’re owed. Contact us today for a free consultation and we’ll review your case to see what to do next.