The only way to know what coverages you have are to read your policy. If you’re like me, nobody wants to actually sit down and read an insurance policy. I wouldn’t if it was my own personal home, but because I know about all of the problems that my clients have had – hundreds and hundreds of thousands have had because they didn’t – I actually am one of the few people in the world that take the time to do that.
Part of the services that we offer to our clients, at the very front end, is to sit down with them and go through the policy page by page, and identify any coverages that they have in their policy that might enable them to recover more, to recover better, just to make sure that they’re getting the full benefit of the premiums that they’ve paid. How much coverage do you have? Do you have extra coverage for code upgrades that might be required during the rebuilding process? How much contents coverage do you have? Do you get paid on a replacement cost basis or an actual cash value basis? What other coverages are out there that might enable you to become whole, because you’ve had a fire and you’ve had a loss, you’ve had a hailstorm, or you’ve had … There’s so many things that can happen, and life goes on, and people don’t have time to sit down and read a policy; and we help them make sure that they’re getting the full benefit of their insurance coverage.
McWherter Scott & Bobbitt protects policyholders throughout Tennessee. If your insurer has denied your claim, or acted in bad faith, we can help. Please call 731-664-1340, or complete our contact form to schedule an appointment with a Tennessee insurance dispute lawyer.