Over the years, insurance companies have done a great job making consumers believe that the insurers are “good neighbors,” “on their side,” protecting their dreams. The purpose of making us think that we are in “good hands” with our insurance company is two-fold: (1) make us feel good enough about the insurer to hand over our premiums and (2) when we make a claim, we’ll trust, rather than question, the settlement offered by our own insurer. Those good feelings can blind us to the fact that when we make a claim to our insurer, we become adversaries, not neighbors, and it’s our rights and interests that need protecting, not our dreams.
Livgard & Lloyd has been representing policyholders who have made claims relating to property damage for over twenty years. We’ve represented homeowners whose houses have been damaged and destroyed by fires and storms, business owners who have sustained both damaged property and business interruption, vehicle owners who have gotten less than they bargained for when their cars have been damaged and contractors and repair companies that have had their payments reduced or delayed by insurance adjusters and third-party administrators.
When you purchased your insurance policy and paid your premiums, you entered into a contract with your insurer that establishes certain enforceable rights and benefits in the event of a loss. You should not have to accept one nickel less than the full amount of those benefits. Insurers know that many claimants, either out of fear or ignorance of what the policy provides or both, will accept less than what is required when a claim is submitted. We can help make sure that you get what you paid for. We understand insurance policy language and are accustomed to navigating those jargon-filled and often confusing documents. We aren’t intimidated by insurance companies’ tactics in trying to minimize or avoid paying claims. We can be your advocate – in negotiations, in court, in arbitration, in an appraisal proceeding – and help you see to it that your insurance company lives up to the promises it made when it was taking your premium dollars.
Fires and major storms involving large hail, strong winds and tornadoes are a fact of life in Minnesota. If you have a property damage claim and are getting the runaround from your insurance company, you can fight back. It starts with requesting a certified copy of your insurance policy. We offer a free initial consultation. If we don’t think we can bring value to your claim, we’ll tell you that. If we can help, we’ll tell you that too. Find out what a difference having a strong advocate on your behalf can make in getting your insurance claim resolved fairly.