Homeowners Insurance

It has been said time and again: “There is no place like home.” For most people, home is not only “where the heart is,” it is also their most valuable asset. For these reasons, most homeowners are diligent about acquiring and maintaining homeowners insurance. Sadly, these same homeowners are confused and dismayed when their homeowners insurance carriers fail to abide by the terms of their insurance policies. The Law Office of Eduardo A. Brito represent homeowners in disputes with insurance companies who refuse to honor claims for property damage and loss under homeowners insurance policies.

There are a myriad of reasons which insurance companies conjure-up to deny or limit claims made under homeowners insurance policies. Two of the most frequent reasons are the application of policy exclusions and disputes over valuation. Los Angeles insurance lawyer, Eduardo A. Brito, can help with these and other homeowner claim disputes.

Policy Exclusions: Use and Misuse

Some insurance companies will deny homeowners policy claims based upon an improperly overbroad interpretation of the exclusions contained in the policy. Damage claims arising from water damage, landslides, pipeline explosion, earthquakes, fires and theft often result in the overly broad assertion of exclusions by insurance companies.

These improper claim denials can be reversed if there is a genuine question about actual cause of damage to your property. For example, not all water damage qualifies as (otherwise excluded) flood damage. Also, was the landslide that damaged your property a natural disaster or was it caused by the negligence of your uphill neighbor? Was a pipeline explosion caused by a utility company? How might that affect your recovery under your homeowners policy?

Los Angeles insurance attorney, Eduardo A. Brito, will help investigate your situation to determine the true cause of the damage to your home and will otherwise help you receive all the benefits you are entitled to under your homeowners insurance policy.

Valuation Disputes

In order to pay the least amount possible, insurance companies often give policyholders an unreasonably low valuation of their property and they also vastly underestimate how much it will cost to repair or replace property. For your protection, do not sign a settlement agreement without first speaking with an experienced lawyer who can help you get a proper appraisal of your damaged property.

Know Your Coverage

Most basic homeowners policies cover a wide variety of damage, including damages caused by:

  • Fires
  • Hail
  • Lightning Strikes
  • Smoke Damage
  • Wind Damage
  • Vandalism
  • Theft

For damage done by events such as earthquakes, hurricanes, or tornadoes, you may need to have separate coverage, since most standard policies do not cover such natural disasters.

Standard homeowners insurance policies cover not only the dwelling but also other structures on your property, such as detached garages and storage sheds. In addition, all of the contents and personal property inside your home are likely covered against damage or loss by theft, up to the amount you have specified in your policy.

Liability Issues When Someone Is Injured on Your Property

If someone is injured on your property, your homeowners policy will usually require the insurance company to provide an attorney to defend you, at the insurance company's expense. If the insurance company refuses to defend you, this may be a breach of your contract with the insurer and it could also constitute insurance bad faith.

Aggressive and Effective Dispute Resolution

If you have a claim of damage or loss but your insurance company is not being responsive, contact the Law Offices of Eduardo A. Brito for aggressive and effective assistance in resolving your claim.

The Law Office of Eduardo A. Brito represent policyholders in insurance coverage disputes and in insurance bad faith litigation. To learn if we can be of assistance to you, contact our office today for a free initial consultation.