With hailstorms, fires, floods, and other natural disasters growing rampant, it’s wise to have homeowners insurance—in fact, it’s a must! So, you dot all of your i’s and cross all of your t’s, pay all of your premiums, talk with all of the people, and fill out all of that paperwork.
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When you’ve been in an accident, you want to get back to normal life as soon as possible. The one thing that can hold you up is an insurance company that doesn’t cooperate with a timely pay-out. Are they allowed to keep you waiting?
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If it doesn’t seem right, you should speak with a workers’ compensation attorney.
Most employers in South Dakota are insured against employee injuries, but coverage is not required by state law. Regardless, your employer should never ask you to use your own insurance to cover an on-the-job injury. There is typically one of three scenarios: an employer has insurance coverage, an employer pays workers’ compensation claims out-of-pocket or an employer is sued in court.
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When your home is damaged by wind or hail, knowing tips and insurance claims secrets can help you get the coverage you pay for.
When you buy insurance, you are buying a friend. Someone who treats you fairly and will be there when you need help. Unfortunately, when hail and wind strike your home and you are dealing with storm damage to your roof, siding, and windows, you may find that your troubles have just begun. Too often, insurance companies add to the stress and frustration by looking out for themselves instead of the policyholders who depended on them. You may not be able to fight a homeowners’ insurance claim denial on your own, but these tips could help you get the coverage you pay for.
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If you cannot perform most activities necessary for daily living, whether due to a specific disability or a combination of conditions that sometimes develop with age, you may be entitled to long term care insurance benefits. Too often, those insurance claims are denied. Here’s how long term care insurance came about, and what you can do if you are refused the benefits you’ve been paying for.
Long term care insurance has been around for decades. People realized that not everyone would be able to meet their own personal daily needs as they got older or became disabled, and some bought plans to provide for themselves in the future. While this was a positive development, long term care insurance claims are denied every day, sometimes, unfairly. Here is the history of this important (but sometimes unreliable) form of insurance.
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If you have an insurance claim that you suspect has been unlawfully denied, you may need to take legal action to get the compensation you deserve.
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If your home has been damaged in a fire or storm, the coverage you pay for through your homeowners insurance can help you restore your home. However, your insurer may wrongfully deny or minimize your claim, and then you should turn to a lawyer who focuses on these kinds of cases.
When you pay the premiums for homeowners insurance, you are buying the peace of mind knowing that you can afford home repairs in the event of a crisis. Most homeowners insurance policies cover a wide variety of damage that can occur in South Dakota, including wind, fire, lightning, hail, and even theft and vandalism. As a policyholder, you feel a sense of security in knowing that your insurance company will support you if one of these unfortunate events happens. However, if your insurer betrays this trust by refusing benefits or coverage that you have paid for, you must learn how to fight a denied home insurance claim with the help of a South Dakota property damage lawyer.
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Court Rules That Insurers Must Weigh Independent Medical Experts’ Opinions Against Conflicting Evidence
The South Dakota Supreme Court has reversed a circuit court’s dismissal of a worker’s lawsuit claiming Dakota Truck Underwriters and Risk Administration Services denied him workers’ compensation benefits in bad faith. The opinion, filed on September 28, 2016, concluded that an insurer cannot assume the truthfulness of a consulting medical expert’s report when deciding whether to deny coverage.
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Court Reverses Local Insurance Company’s Denial Based on Company’s Narrow Definition of Drowning
The Supreme Court has reversed a lower court ruling that favored DeSmet Mutual Insurance Company in a claim brought by the Papousek family of Quinn, SD for cattle lost in the 2013 Winter Storm Atlas. Atlas brought torrential rain and heavy snowstorms that killed more than 43,000 head of cattle in South Dakota. DeSmet had sold Papouseks a policy promising to pay for drowned cattle. When the Papouseks lost 93 yearling heifers in the storm, worth $3,000 a head, a doctor of veterinary medicine concluded the cattle “absolutely died due to drowning.” DeSmet, however, refused to pay.
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