Home Owner Insurance (HOI)

[Kenneth Gilman]

Homeowners’ insurance (HOI) protects the home itself as well as the contents, or personal property inside the home.

Most consumers have paid their HOI premiums for years, even decades, without filing a single claim. When a home and/or its contents are damaged or destroyed in a hurricane, tropical storm, thunderstorm, lighting strike, fallen tree, or even an errant vehicle, then a HOI generally covers the claim, including repair, replacement, and rebuilding. Insurance companies are increasingly refusing to pay valid claims, delay paying the claim, or underpaying the claim.

Because an insurance policy is a contract between a homeowner and an insurance company, the insurance company must abide by the terms of its contract. Where the insurer wrongfull delays or denies paying a valid claim, it can be held liable not only for breach of contract, but also for bad faith.

In addition, the firm has considerable experience in construction structural equipment accidents, medical malpractice, and premises liability.