If you think your home or business property may be experiencing a sinkhole causing damage, you should notify your insurer immediately. If you do not get a quick response, call the sinkhole insurance lawyers at Wells Law Group.
An unbiased expert may disagree with the insurer's determination based upon the test results. When we review a report denying the existence of a sinkhole, but containing indications in the report that a sinkhole may exist, we retain a geologist to conduct a review of the report prepared for the insurer. If our geologist disagrees with the opinions of the expert retained by the insurer after a review of the insurer's report, we have a geologist or geotechnical engineer conduct additional testing of the property, and if this is indicative of a sinkhole, the attorneys at the Wells Law Group take appropriate action for our clients.
Yes, you have a duty to cooperate and you must provide all the information in your possession the insurer is asking for. If there is information the insurer is seeking that you do not feel they are entitled to, contact an experienced insurance coverage attorney at the Wells Law Group and we can provide you with guidance.
The insurer has the right to completely investigate your claim. Sometimes they will request a sworn statement, which is within their rights. You need to attend the examination under oath and answer the questions as truthfully as possible. However, we would always caution a person about attending a sworn statement without an attorney present, which is your right under your policy. (Please note this does not apply in an accident situation where another person’s insurance company is demanding to take your statement.)
There is no set time frame. The statutes and cases interpreting this say a reasonable time is required for repair. This will likely vary depending on the facts of each case and other external factors. If you think your insurer is taking too long, contact the sinkhole attorneys at Wells Law Group.