Fire Injury or Fire Death law involves cases of individuals who have suffered a burn injury, death injury, or an emotional injury usually due to a fire or explosion.
Law Office of Rabih Hamawi, P.C. knows how the insurance-claim process works, what evidence to gather to determine the origin and cause of the fire or explosion, and how to calculate and present a claim for damages on behalf of those who have suffered a fire injury or death injury.
We are here to help you, contact us and we will help you to claim your insurance: https://www.hamawilaw.com/fire-injury-or-fire-death
$222,500 FOR AN OWNER OF A RENTAL PROPERTY DESTROYED BY FIRE
Our client owned a rental home that was severely damaged in accidental fire on Christmas eve when the tenants were wrapping Christmas gifts for their children. Although the insurance policy didn’t require our client to reside at the rental home, the insurance company denied her claim for lack of residency. We filed a lawsuit in federal court, and within four months, the insurance company agreed to change its position and fully paid our client’s claim.
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Some insureds may incorrectly believe that their insurance company will fairly determine and compensate them for the full amount of their losses. But under most insurance policies, an insured must properly submit and document the amount of his or her claim to the insurance company.
Some insurance companies may not properly determine the amount that an insured is entitled to recover under his or her insurance policy. At the Law Office of Rabih Hamawi, P.C., we can help you receive full compensation for your loss, and can help analyze and present your insurance claim, including determining the appropriate amounts you are entitled to recover under the insurance policy.
Click here to learn more about insurance claim valuation: https://www.hamawilaw.com/insurance-claim-valuation
The insurance company has requested my recorded statement. What should I do?
Insurance policies require insureds to cooperate with the insurance company’s investigation, which may include giving a recorded statement. A recorded statement is a statement of an insured taken by a representative of the insurance company such as an insurance adjuster, a special investigator, or a cause and origin investigator.
It is usually audio-recorded and may be taken either in person or by phone. During a recorded statement, an insured may request permission from the insurance company to also record on his or her phone or other electronic device the statement given. When an insurance company requests a recorded statement, it is highly recommended that you retain an attorney specializing in insurance law to represent you to protect your interests and to prepare you when giving a recorded statement.
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We have successfully litigated hundreds of cases against insurance companies and insurance agents, and recovered millions of dollars for our clients.
Mr. Hamawi holds licenses in Property, Casualty, Life, Accident, and Health insurance. He is a Licensed multiple lines Property and Casualty, Life, Accident, and Health Insurance Counselor (LIC).
He earned the prestigious Chartered Property and Casualty Underwriter (CPCU®), Certified Insurance Consultant (CIC), and Certified Risk Manager (CRM) designations.
He previously served as a managing principal for an insurance and financial services agency, where he managed two offices and built a multi-million-dollar book of business.
Learn more About us: https://www.hamawilaw.com/
As a result of the insurance company’s investigation, I have been out of my home for several months, have lost sleep, and have experienced pain and suffering. May I sue the insurance company for pain and suffering?
Generally, Michigan law doesn’t permit an insured to sue an insurance company or to recover additional damages for pain and suffering, humiliation, discrimination, or intentional infliction of emotional distress related to the filing of a property insurance claim. Click here to read the full article: https://www.hamawilaw.com/
Michigan's Renewal Rule by Rabih Hamawi
Rabih Hamawi has published an article in the March edition of The Michigan Bar Journal titled “Michigan's Renewal Rule." In Michigan, when an insurance policy is renewed, an insured has no duty to read his or her renewal policy and may assume that the original policy’s coverages, terms, and conditions haven’t changed.
When an insurance company renews a policy and makes changes, alterations, or reductions to the original policy’s coverages, terms, or conditions, it must provide actual and conspicuous notice of any changes, modifications, or reductions. If an insurance company fails to do so, a court will reform the renewal policy and compel the insurance company to provide the broader coverage found in the original policy.
Click here to read the full article: https://www.hamawilaw.com/post/michigan-s-renewal-rule-by-rabih-hamawi
Review author: Rico Durrah– 5 Star Review
I've had the opportunity and great experience to work with Attorney Rabih Hamawi in my fire litigation case for the past two and half years. It's has been a truly difficult and grueling process. In times where the world seems unclear and you don’t know who you can trust and believe in, this man, attorney Rabih Hamawi, fought hard for me and showed true integrity all the way to the bitter end. It’s just amazing to feel and know that there is still good people and true soldiers on the battlefield. If anyone is in need of an outstanding attorney no matter the cost, he is the attorney to retain. Tough times don't last but tough people. I sincerely thank you Attorney Rabih. God knows we need more people in the world like you.
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Most property and liability insurance policies contain “other insurance” clauses that insurers insert to restrict or limit their liability if another insurance policy affords coverage for the “same loss.” These clauses intend to preclude insureds from over or double insuring their properties, to conform to the principle of indemnity, and to reduce moral hazards by preventing profiting from losses.
Unfortunately, insurers sometimes misunderstand their own “other insurance” clauses, and occasionally assert their applicability to a given factual situation when inappropriate, mainly because the competing policies don’t insure the “same loss.” This flawed interpretation has resulted in substantial penalty-interest awards against insurers for unreasonable delay or denial of claim payments…
Click here to read the full article: https://www.hamawilaw.com/other-insurance-clauses
Recorded statements after an insurance claim.
Often after a policyholder submits an insurance claim, the insurance company may request him or her to give a recorded statement to obtain information about the circumstances surrounding the loss, and other information relevant to the insurance company’s investigation of the policyholder’s claim.
What basis does the insurance company have to take a recorded statement?
Click here to read the full article: https://www.hamawilaw.com/post/bspinks-ipmwebdesign-com-2
Review author: James Hunt Iii – 5 Star Review
Attorney Hamawi has been an amazing resource to level the playfield between the common individual and large insurance companies. I am very thankful that I was referred to him, he is truly a Godsend for those who are taking advantage of by predatory insurance companies. From day one he has been understanding, empathic and honest about his practices and education on how to appropriately navigate the claim resolutions. I felt helpless, irate, and lost. Through his guidance, the burden was immediately relieved, and I am so thankful to say it is directly because of his knowledge and efforts that I found resolution for my car theft and fire claim. He made sure my insurance claim was fully paid. Thank you for fighting for me and ensuring there was no negative backlash and consequences to a horrible situation.
Click here to learn more about us: https://www.hamawilaw.com/
According to the Insurance Information Institute, insurance companies wrote total net premiums of $1.2 trillion in 2017.1 Based on my experiences within the insurance industry, the vast majority were premiums generated from the renewal of insurance policies.
Generally, renewal policies are divided into two categories: (1) renewals within the same insurance company, as when an insurance company renews a policy it currently writes; or (2) renewals with the same insurance agent, as when an agent internally transfers within his or her agency an insured’s policy from insurance company A to insurance company B…
Click here to read the full article: https://www.hamawilaw.com/michigan-renewal-rule
