Insurance Attorneys Insurance Attorneys
   

Steven B. Pollack, attorney

Why Hire an Insurance Lawyer?

 

Fire, smoke, and water can quickly destroy your personal property causing large financial losses. With property insurance and a properly submitted insurance claim you are entitled to the proceeds held by your insurance company. Mistakes made in the process are costly and can lead to denial or underpayment of insurance claims. As one of the few attorneys in Illinois focusing on representing property owners, I can help  you in making your insurance claim – and significantly increase the likelihood of full recovery of the money that is owed under the policy.

I have been handling insurance claims for many years and know the system – all the way from the initial events through, if needed, representation in the courtroom. It is this full service that I provide that ensures that your interests are represented. I hold the insurer to its obligations over the entire course of the insurance claim. By representing you early in the process I learn all the facts surrounding your loss.  I am then able to quickly shift to filing suit in the event of a denied or underpaid claim.

But what are the advantages of hiring insurance lawyers for insurance claims? Here is a brief list…

* Unlike a public adjuster, insurance lawyers have the specific knowledge of the legal system that is required to get you full recovery. This means that an insurance lawyer is capable of obtaining more money from the insurance companies through a combination of contract interpretation, case law research, and legal experience. Unlike a public adjuster, an insurance lawyer can fight insurance claims all the way through to the courtroom. I have an excellent track record in this area and am proud to be known as one of the few Illinois attorneys with a legal practice focusing almost exclusively on insurance contracts. Remember, your claim affects their profits.

* I have experienced the loss you are feeling and the sense of vulnerability you have towards the insurance company. Our family had a fire January 8, 2000 and I had to fight to get my own insurance claim paid. My insurer, a well-known company, did not act honorably and in fact acted in bad faith according to the terms of the insurance policy. This angered me so much that it is one of the reasons I decided to become an insurance lawyer, to help others correct the imbalance of power between the policyholder and insurance company.

* When retained early in the process my fee is usually 10% and contingent on the claim being successful. This means that should your claim be denied I would not earn a fee until we recover in court. If retained later when the claim has been denied, then litigation becomes necessary and my fee is generally 40%. I will often lower the percentage with an upfront retainer that is later credited upon recovery. Hiring an insurance lawyer early and avoiding a denied claim is always preferable.

* I will walk with my clients through every single facet of the case, from an event like an examination under oath, to presentation of the sworn statement in proof of loss, all the way through how to address the judge in court if it comes to that.

When it comes to needing an insurance lawyer for property damage claims, I am one of the few who has this narrow focus. And I am a powerful advocate because it upsets me when insurers use bad faith tactics to underpay or deny a claim to a property owner who was promised otherwise in insurance company advertising.

In addition to fire, I also handle various other areas of insurance claims.

Some of the other types of insurance law that I handle include:

  • Sewer backup
  • Hail damage
  • Loss of property during transportation
  • Wind damage

As you can see, there are different facets of insurance, but they all deal with essentially the same principles. That is why my focus as an insurance lawyer is so important – I understand the ins and outs of the insurance claims process.

 

*Disclaimer: We are not creating an attorney/client relationship by you submitting this information. This relationship will only arise through an engagement letter signed by both of us.

   

 


© 2006-2013 Steven B. Pollack