You paid thousands of dollars in homeowner’s insurance premiums over the years to keep one of your largest investments, and the place where you center your life—your home—in good condition after severe weather or other disasters cause damage.
Then the homeowner’s insurance company denies your claim—or offers far less than the repairs will cost.
It’s infuriating. But it’s not over.
The homeowner’s insurer may not be telling you everything that your policy covers. They make money, after all, by paying out less than they collect in premiums. They’ll protect their own profits above your interests.
They’ll put you up against their employees and attorneys. But if you’ve got your own homeowner’s insurance claim lawyer, you can push back.
You can still get fair payment that lets you recover your daily life, protects your home’s value, and frees you to move forward after a setback.
This is when you should call a home insurance lawyer:
Horenstein, Nicholson & Blumenthal has experienced homeowner’s insurance attorneys protecting the rights of families in Ohio. For over 40 years, we’ve helped thousands of people recover from economic losses, securing millions in settlements and benefits.
If your home insurance claim is denied, you can get our lawyers on your case for no up-front cost. You only pay your homeowner’s insurance lawyer when you win a settlement.
With offices in Cincinnati, Cleveland, Columbus and Dayton, we help people anywhere in Ohio. Our clients know our reputation: “Helping me, that’s HNB.”
Talk to HNB Talk to HNBSo what does a homeowner’s insurance lawyer do for your claim beyond what you can do yourself?
First off, once you have a home insurance claim denied, we’ll likely file a lawsuit. That’s our primary avenue to protest the claim denial. And it forces them to pay attention.
Here’s a sample of what a homeowner’s insurance claim lawyer does on your case:
You might be surprised how much is covered that the insurance company won’t admit.
Insurance documents are complex, sometimes 100 pages or more. You can be forgiven for not understanding all of it. Unless you’re a professional dealing with insurance issues regularly, you may miss crucial details.
Your HNB home insurance lawyer knows what to look for.
Insurance companies may misrepresent what’s in your policy. They may slow-walk your claim hoping that you give up. They may offer you an inadequate settlement amount.
Don’t sign anything. Contact us. We don’t charge to look at your situation and see if there’s more you can do.
For contractors: If you’re dealing with an uncooperative insurance company for a homeowner who hired you, feel free to reach out to HNB, too.
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Some forms of damage to your house are obviously covered by insurance, like tornadoes and fires.
You may not realize everything that could be covered, including:
Roof and siding damage are some of the biggest and most common problems that result when your house takes a beating from outside conditions. Fence damage can also be covered by homeowner’s insurance.
Floods resulting from weather conditions are covered under a separate kind of insurance, but so many things that can go wrong with your house are covered by homeowner’s policies.
You might put more money and time into maintaining your home than any other asset you have.
You like to stay on top of any damage or deterioration. And for good reason. Your home is a key piece of your long-term financial plans. It’s also where you and your family expect to feel safe and secure.
Severe damage to your home upends your life. Get a homeowner’s insurance claim denial attorney from HNB to help you take a broken situation and set things right again.
Call HNB Now! Call HNB Now!
The legal system can be so confusing that part of your lawyer’s job is helping you understand what’s going on. At HNB, we want to be a resource for you. Here, you can dig deeper on these topics:
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