Do homeowners insurance companies investigate first before litigating a suit?

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1. 

   Jeffrey GoldPro

   Bellmore Lawsuit / Dispute Attorney

   Contributor Level 19

   

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   Answered January 18, 2013 04:26. If the insurer learns who committed the vandalism, they may try to contact that person, but people rarely admit to vandalism. More likely, the investigation will consist of interviewing the insured, taking photos, diagraming the loss, and trying to locate and interview witnesses.

   If you'd like to discuss, please feel free to call. Jeff Gold Gold, Benes, LLP 1854 Bellmore Ave Bellmore,... moreIf you'd like to discuss, please feel free to call. Jeff Gold Gold, Benes, LLP 1854 Bellmore Ave Bellmore, NY 11710 Telephone -516.512.6333 Email - Jgold@goldbenes.com less

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   Constantine Buzunis

   San Diego Litigation Lawyer

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   Answered January 18, 2013 09:42. Generally the insurance company will conduct an investigation in this type of case and try to talk to the alleged vandal, the police may also get involved through you or the insurance company. The vandal may not speak with anyone, even the police, as they will not want to admit anything and they can take the 5th amendment. The insurance will want to do an inspection, get statement from the owners and any witnesses, take pictures, estimate the damages to prepare a cost of repair and determine any non-covered items, etc. They will also be looking for any type of fraud which may have been committed by the homeower, such as arson, etc.

   Legal disclaimer:This message does not constitute legal advice and does not create an attorney-client relationship.... moreLegal disclaimer:This message does not constitute legal advice and does not create an attorney-client relationship. Any statements are made for general informational purposes and do not constitute legal advice. No attorney-client privilege is created by this communication. Attorney is licensed in California only. less

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3. 

   Michael T MillarPro

   Toms River Litigation Lawyer

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   Answered January 18, 2013 07:04. If you have a covered loss, the insurance company may send someone out to see the damage and evaluate the value to repair or replace. If the cost to make the repairs / replacement warrants it, they may file suit against the responsible party.

   If this answer was helpful, please mark it as helpful or as a best answer. This answer is for general education... moreIf this answer was helpful, please mark it as helpful or as a best answer. This answer is for general education purposes only. It neither creates an attorney-client relationship nor provides legal guidance or advice. The answer is based on the limited information provided and the answer might be different had additional information been provided. You should consult an attorney. less

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