2 years Ago, MarcWites
Reporting your property damage claim as soon as possible is the best course of action. Almost all homeowners insurance policies require you to “give prompt notice” to the insurance carrier after a loss. This requirement is often contained within the “Your Duties After Loss” provision which is usually located under the “Section 1 – Conditions” portion of the policy. Prompt notice allows the insurance carrier an opportunity to investigate the loss and determine the cause of the damage (i.e., Hurricane winds) and the amount that it would cost to repair the damage.
Almost all insurance policies contain a requirement that you comply with all the terms and provisions of the policy (i.e., giving prompt notice of the loss) in order to get insurance coverage. If you do not give the insurance carrier “prompt notice” of the loss your claim could be denied because you failed to comply with the policy. Insurance carriers also claim that when property owners do not give “prompt notice” of a loss the carrier is prejudiced in its ability to investigate the loss. This means that the carrier does not have an opportunity to see the damage when it is fresh and therefore the carrier cannot properly evaluate the cause of the damage or the necessary repairs. If the delay in reporting the claim is too long then property insurance claims can be denied and your opportunity to collect benefits could be closed.
What is “prompt notice?” Generally speaking, prompt notice means a reasonable amount of time to report the loss after you discover it. As a property owner, your obligation under the policy is to promptly report any losses that could be covered. You do not have to wait until you can confirm all the damage from the storm or until you get a quote from a general contractor. The best course of action is to report the claim immediately.
To learn more about Wites Law Firm’s Insurance Claims Team please visit our Insurance Attorney page.
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Marc: Congratulations on the School Board settlement! Glad you were about to get a good result for your clients. Having been your adversary early on in the case, I can say it was a long battle and the great result was due to your persistence and creative approach to the litigation. Well done!Josh Eggnatz
Attorneys often convey a sterile attitude toward clients that is often void of sincerity and compassion, and may even be condescending. Marc Wites has not lost his humanity!! Mr. Wites is an attorney that continues to stay abreast of the law, which results in excellent results for his clients. Marc Wites is my “go to” attorney when I am looking for A-rated service and quality representation. I consider Marc as not only my attorney but a friend as well.David
An impressive chamber of knowledgeable attorneys/staff that stand ready to work tirelessly on behalf of their clients. Marc Wites is the quintessential Perry Mason advocate–erudite, prepared, and brilliant. He is ready to take on any legal challenge. Above all, he is understanding of the working class. Surely, he’s not just in it for the money; he genuinely wants to help people. Overall outstanding law firm.Raymond Brown
Mr. Wites accepted my case when other lawyers would not. He never promised what he couldn’t deliver. He was realistic, upfront and honest. He actually returns phone calls. And he is willing to explain the legal process and to take time to answer questions. I would definitely contact Mr. Wites if I ever needed a lawyer again.Karla