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| *Loan,banking and credit>>>homeowner insurance |
How do you sue your homeowners insurance? |
do you sue in the county you live in? or do you sue in the county the agent/agency is? how about city? also- what is the most you can get in new york state? what if you feel you are owed a lot more? Hire a lawyer, and file the suit! What are you suing them for? Anyone can sue anyone for anything - the question is, will you win?? If a lawyer thinks you have a strong case, they'll take the case on contingency - ie, you assign them 30% of whatever they get for you. No win, no pay. If a lawyer thinks you don't have a strong case, or that the payout won't be very much, you'll have to pay the lawyer up front. You can sue in the county you live in, or the county the agent is in, or the county the company has the regional office in. It's up to you. Your lawyer will probably look at all three locations, and see which one would be most favorable to a judgement in your favor. As far as what you can get - usually for Unfair Claims Practices, you're looking at 3X damages. However, it sounds like you're really suing the agent, under Professional Liability coverage - he didn't sell you a coverage you need. Your attorney can give you an idea about how much the case is worth. In order for you to win, you have to both prove that 1. the coverage WAS AVAILABLE, and the agent didn't offer it to you, 2. if the coverage was offered, you would have purchased it, 3. the coverage would have covered the claim, and 4. establish the value of the damages. What kind of claim is it? Flood? Earthquake? (never mind, if there was an earthquake in NY, we would have heard about it!) What kind of damage do you have to the house? How much is it going to cost to fix? Source(s): Agent, 20+ years i suggest you consult a lawyer. you should have someone review your policy before you sue. make sure you actually had coverage for the loss that occured or you could be wasting your time. Start with a lawyer. I work in insurance and I am not sure why you would have to sue them? Did they not cover something? Or did they not cover what you think it was worth, is it a replacement policy or a actual cash value policy, we need more information...By the way it has nothing to so with the county, any suit against the insurance company would have to be directed at them only. Was it a flood? Cause there is no coverage for that with Insurance Companies, You have to enter the national Flood program. If your family has been in insurance over 35 years then 1) you or your family should have known what insurance you needed. 2) you or your family should know what to do regarding suing the insurance company/agent, etc. 3) sounds like you are out to get a buck, to me. Not so sure the agents are the sleazy ones. Do not take risk |
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