Cooke v. Jackson National Life Insurance Company, 15-CV-817 (NDIL, March 20, 2017)
The life insurance company denied the claim after insured missed his premium payment on his term life insurance policy, and the initial 31 day grace period expired without payment. In Illinois, life insurance policies must contain a provision allowing a 30 day or one month grace period within which to make up a missed payment. If the insured dies within the grace period then the policy remains in effect and the benefits are owed, but the overdue premium is deducted from the insurance benefits.
Here, 18 days into the grace period the insurer changed the premium due from a monthly premium to a quarterly premium as allowed under the policy. We ...
Losing a home and all of your belongings to a fire is a tragic experience. It is one that is likely to live with you for the rest of your life – an experience you will never forget. After this sort of tragedy strikes, the last thing you should have to deal with is an insurance company that denies your claim. Unfortunately, many people have to face this problem, and, because they do not know their rights, they wind up simply accepting the denial and trying to move on with their life.
A fire claims Chicago attorneycan help you understand your rights, when dealing with a denied claim. Your attorney will help you fight the insurance company to seek fair compensation. You need that money to rebuild your home and your life. Your ...
When your home is lost to a fire, you must file a claim with your insurance company as soon as possible. The reason why time is of the essence is because there is a good chance that your insurance company will deny all or part of your claim. You need to address the claim process as soon as possible, so that when it is denied, you can immediately seek legal help. When dealing with a fire claim Chicago, you need experienced legal help to ensure that you receive your rightful compensation.
It isn't necessarily that insurance companies are bad companies. It is more that they have their own best interests in mind, rather than yours. When your claim is denied, you need an attorney on your side who has only your best interests in mind. Your ...
Suffering a house fire in Illinois can be a devastating experience. The loss of your belongings and the damage to your home can be overwhelming. As you deal with the myriad of emotions surrounding the situation, you must also deal with your insurance company – and this is not always a pleasant experience. Insurance companies do not have your best interests in mind. Their primary concern is protecting their bottom line. Chances are high that part, if not all, of your claim will be denied. This is when you need to enlist the help of an attorney specializing in fire claims in Illinois.
Your attorney will handle the claim process for you. He or she will work diligently to ensure that your claim is approved. Without an attorney on your ...
When you are struggling with the aftermath of a house fire, the last thing you want to worry about is having your insurance claim denied. Unfortunately, there is a good chance that your claim will be denied, either partially or in full. Your insurance company will come up with a variety of reasons for the denial – your premium was late, the damage is not as extensive as you claim, repairs can be made instead of replacement and so on. Before you know it, you could be left with no compensation for your losses – leaving you with no financial means to recover from the fire.
Fortunately, an insurance claim in Chicagodoes not have to be this difficult – as long as you hire a skilled attorney. When you hire an attorney to handle...
If you have suffered a house fire and are preparing to file your claim with the insurance company, it is essential that you seek expert opinions when needed. Insurance companies have only one thing in mind – their bottom line. Yes, you paid your premium and they will provide you with some sort of compensation. However, chances are high that they will try to repair as many items as possible instead of replacing them. This is when expert opinions come in handy.
Imagine that your home is still standing after a fire. The floors are smoke-damaged and soaked with water – but they still appear to be structurally sound. Your insurance company may decide that sanding and sealing the floors is the best option, rather than ripping them ...
The last thing you want to deal with after a house fire is a denied insurance claim. You have already been victimized by the fire – everything you own and everything you worked so hard to obtain is gone. You made your monthly insurance payments and now, you expect to have your losses covered. Then, you receive a notice of denial. You feel frustrated, confused, and you are probably at your wits’ end. What can you do? You are only one person. How can you possibly fight the insurance company?
The answer lies with an attorney specializing in denied insurance claims. If you are dealing with an insurance claim denied Illinoissituation, you need the expert advice of an attorney. You are right – you are only one person. You do ...
Losing your home and all of your belongings to a fire is a traumatic experience. It is emotionally and physically draining, and has lasting effects. One minute, you seem to have everything – the next, you are left with nothing. When you are faced with an insurance company that does not want to honor your policy, it can be just as devastating. To lose everything you own, to file your claim as instructed and to have your claim denied – it is simply adding insult to injury. If you are in the midst of an insurance claim Illinois, you need the experience and legal expertise of an insurance claims attorney.
The fire was out of your control – it was a disaster and there was nothing you could do but watch it burn. By hiring an ...
When you need to hire an attorney, there are several things you should keep in mind. There are many insurance lawyers Illinoisavailable – but they are not all equal. Choose your attorney with care because he or she will be your best chance at getting your insurance claim honored.
· Choose an attorney that has experience.If you choose an attorney that is cheaper but less experienced, you may not get all the money you deserve from your insurance claim. You need an experienced attorney - one that understands the law, the insurance claim process, and has a successful history with other clients.
As responsible and law abiding home or business owners, we are all encouraged to do the right thing and take out insurance policies to cover all eventualities. These providers are quick to tout for our hard earned dollar and give assurances, which at the time afford us piece of mind; but in reality, many of these commitments are not actually what they appear to be at face value. Small print gets a bad press for a good reason, there is very often some hidden get out clause, written in 'insurance language', that should the need arise for a claim to be submitted, the insurer will refer to and very possibly twist to their own advantage and adjust the policy accordingly.
As a trained attorney, I am here to act for the good folk of Illinois and ensure that they are not subject to the bully boy tactics which are often displayed by a public adjuster, who may have ulterior motives to try and get a client to settle for less than their entitlement. My legal background helps me understand the finer points of a policies and contracts, and as a consequence, puts me in a strong position to fight a clients corner and recover the insurance pay-outs that they have been paying expensive premiums for.
My specialized subject is fire claims, so you could describe me as a fire claims lawyer, but I am more of a fire claims adjuster, who offers a sensible alternative to a public adjuster and my fees will not cost any more than theirs. My vast experience in litigation allows me to look after a customers best interests, whilst keeping an eye on the finances; indeed my charges are just 10% of any insurance recovery – there is no fee for non recoverable outcomes.
By appointing myself from the onset, I can fully understand the case and my presence also has an effect on the attitude of the Insurance company, who might otherwise take liberties against susceptible members of the public. Having a fire claim lawyer at your side, allows some of the burden to be eased from the claimants shoulders and lends some stability into a situation, that will undoubtedly be a time of great stress. Many fire claims result in the need to move out of the property and into temporary accommodation, so my appointment can offer some respite, and lets a client concentrate on family matters.
Why would you not just accept a public adjuster? It is probably the easiest option after all and there should be no apparent reason to suspect that anything but the sincerity and integrity that they display at their first introduction, is the norm. Unfortunately, this I'm afraid will not be the true reason for them turning up out of the blue. Insurance companies do not like to pay – that is fact, and if they have to pay then they want it to be as little as possible. So with a fire claim, a public adjuster will often prey on the vulnerability of a claimant and employ some aggressive questioning and intimidatory behavior, in the hope that scare tactics will see a settlement concluded for far less than it should be.
As a fire claim lawyer, I have something called a fiduciary duty – meaning I am bound to put your interests before those of my own; but as a decent law abiding citizen myself, I would morally undertake such practice anyway. The public adjuster however, is under no such obligation and might even have his own interests at heart if, for example, he has some involvement with a construction company, who may act on behalf of the insurers. That may raise an eyebrow of any decent, honest individual, but I'm afraid these practices to occur, and quite often.
A fire claim, submitted in all innocence and in the perfect rights of a homeowner, can actually turn into a state of affairs that sees the claimant being subjected to what sometimes will feel like harassment and interrogation. Under Illinois state law, whilst these inquiries are permitted, they have to be carried out in the correct manner and as the appointed fire claim lawyer, I will ensure that this is adhered to. There are many reports where an unscrupulous public adjuster has acted in an unethical way, but escaped unpunished due to scaremonger tactics. With the assistance of a qualified fire claim lawyer, none of this bad practice will ever take place.
I am Steven B Pollack and I'm here to protect all your rights and see that honesty prevails. A fire claim is something nobody ever wants to have to become involve with, but if such an eventuality should happen, then my professional assistance can make a difficult period run as smoothly as possible. My book 'After the Fire' is a free publication to aid claimants with the first two critical months after submitting a claim and can be ordered here at Fireclaimlaw.com, where you will also find a consultation form, from which I'll respond to immediately, with my initial thoughts as to what my involvement ought to be. My contact number is (847) 436-9566 – in an idea world you'll never need to get in touch, but should you need me, please do not hesitate, I'm always available.