When many people think of pursuing a claim for injuries sustained in an accident, they think of some sort of incident caused by someone else’s negligence. They understand the importance of seeking legal representation in that type of situation. What they do not necessarily contemplate is the necessity of hiring a lawyer when an injury is sustained at their own home. They presume that filing a claim for compensation with their own home insurance company will be an easy task. The stark reality is that in many instances pursuing a claim with a person’s own homeowner’s insurance can prove to be an immensely challenging task.
Taking on a Homeowner’s Insurance Company
A person who is injured at his or her own home, and needs to pursue a homeowner’s insurance claim, needs to understand the primary reason an insurance company is in business. An insurance company operates with the primary objective to make money for its shareholders. A homeowner’s insurance company increases its annual bottom line by limiting the amount of money paid out in claims. This includes claims submitted by an insurer’s policyholders for injuries sustained in their own homes.
The Benefits of Hiring an Attorney after an Accident at Home
A skilled, experienced personal injury lawyer, like a member of the legal team at the Law Offices of Schiro and Zarzynski understands the tactics utilized by homeowner’s insurance company to attempt to prevent a full, fair settlement of a claim. A skilled personal injury attorney has his or her own set of strategies that are designed to counterbalance the efforts of an insurance company to prevent a fair claim settlement in a particular claim or case.
Another reality associated with a homeowner’s insurance claim is that hiring a lawyer typically results in an injured person receiving more in the way of compensation for his or her losses and injuries. This proves to be the case even when attorney fees are taken into consideration.
As a matter of routine, a personal injury lawyer utilizes what is known as a contingency fee agreement when it comes to a case involving a homeowner’s insurance claim. Through a contingency fee agreement, an injured person pays nothing in the way of legal feels unless legal counsel obtains a settlement or judgment in favor of a client. In addition, a personal injury attorney typically charges no fee for an initial consultation with a prospective client in a matter involving an injury and a homeowner’s insurance claim.
About the Author: Lizzie Weakley is a freelance writer from Columbus, Ohio. She went to college at The Ohio State University where she studied communications. In her free time, she enjoys the outdoors and long walks in the park with her husky Snowball. You can find her on Twitter at @LizzieWeakley and on Facebook at facebook.com/lizzie.weakley.