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hi there my name is Nicole Vinson and I'm an attorney with the Merlyn Law Group our firm handles property insurance claims that are denied or delayed nationwide we handle commercial and residential losses we do the litigation for these insurance claims and also the bad faith litigation today I want to address an issue and I think the title may be what your insurance company doesn't want you to know if you're suffering from a loss whether it's a catastrophic devastating loss that takes your property in total or whether it's a small claim that impacts just part of your business or part of your house it's important that you promptly call in your claim to the insurance company but in response I think it's critical that you are ready to present your claim to the insurance company with the understanding that although you pay your premiums and although you've known your agent for twenty years the first response from the insurance company may just be that a first response one that perhaps doesn't include all of the damages and we know the goal with all these insurance claims is for you to get back to your pre loss condition no matter but no worse and the insurance companies have done a lot of research to find out that if the claim is put forth as one that they have what they think is a basis for denial many people will not challenge that if the insurance company puts forth a small offer many people will not challenge that they will accept it because they know it took so long just to get that far they're stressed out by the process but the insurance companies are banking on this information they're denying claims they're delaying claims and they're defending claims because they know if you take a pool of people and you slow down the payment not everyone's gonna fight back not everyone's when you look in their policies research and dig through and find out that you are in fact entitled more money under this policy that you paid a premium for yeah it's important to understand that insurance companies are in the business of making profits they sponsor nationwide events like NASCAR races in football games they do this with the profits on the claims so take a hard look when you have an insurance claim be sure that you're getting the benefit of the bargain you pay for the insurance you need to make sure that your claim is paid in full as a another tip so many times I hear people say well I don't want my insurance to drop and I don't want my premiums to go up as I push forward with this insurance claim well we're seeing time and time again if the insurance companies are going to do what insurance companies want to do so to handle things in your best interests you need to look into whether there's a reason for you to press forward and be in the group of people that make sure they get their claims paid in full that's something that we can do as a firm to assist you with you just need to contact us for an initial consultation which of course is at no charge we thank you for your time today