Insurance Coverage:

Question: In Ontario, what should I do if my insurer is denying, undervaluing, or delaying my auto or home insurance claim?

Answer: Theresa Forrest, Paralegal can help with a paralegal review of your denial, claim valuation, and delays, including identifying coverage issues, checking whether exclusions were properly explained, supporting Proof of Loss document accuracy, and helping you respond before you sign any release that could limit further rights.  Because insurers often have deep resources and detailed guidelines, getting early assistance can help level the playing field during the insurance claim process.  If you need next steps today, call (519) 902-4223 to discuss your situation in Ontario and get practical guidance toward a fair outcome.

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Troubled Insurance Relations

Standing up to fight against an insurance company requires specialty knowledge that helps to equalize the power imbalance that otherwise exists whereas an insurance company has the deep pocket financial resources to hire lawyers, forensic experts, among others, along with the internal staff that understands the applicable insurance principles and relevant legal statutes.  These resources provide the insurance company with a significant advantage just when the insured bringing a claim needs help. Professional legal representations provides you with the David that you need in such a David v. Goliath situation.

Professional Assistance For Your Situation May Be Needed If:

• Your insurance company wrongfully denied a claim;
• Your insurance company undervalued your claim;
• Your insurer is delaying payment of your claim;
• Your agent or broker failed to adequately explain the coverage exclusions;
• Your insurance broker failed to arrange coverage resulting in an uninsured loss; or
• Your premiums or deductibles unjustly increased.

Common Issues Include:

Even in situations where all is being well looked after by insurance coverage, assistance in reviewing the final settlement release documents may be available before signing-off of further claim rights.

Assistance may also be available in providing Commissioner of Oaths services to commission sworn declarations including the Proof of Loss documents that finalize the claims process.