Making Insurance Claims

If you have homeowners’ insurance, and you are making insurance claims, there are steps you will need to take quickly to protect your legal rights.  

  • Notify the insurance company in writing of the event, such as a fire or flood, including the date and approximate time that it happened; and
  • Give to the insurance company as soon as possible a “Proof of Loss”.  This proof of loss must contain certain information, which we set out below.  A civil litigator can help.  The proof of loss has to be verified by an oath, known as a “statutory declaration” to the effect that the losses claimed and the statements made are true and accurate.

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Do not try to deal with the insurer yourself. Ask the civil litigators at Steinmans Trial Lawyers to help.  Your home may now be uninhabitable. You may have been forced to stay with friends or in hotel. You are displaced and off-balance.  

The physical and emotional distress associated with a major event – like a flood or a fire  – with resulting damage to your home and possessions – is enough of a challenge.   Allow the civil litigation team at Steinmans Trial Lawyers to assist you in making insurance claims in Burnaby, Vancouver, the Lower Mainland, Prince George and Kelowna.

When you make insurance claims, insurance companies may determine:

  • that the property owner provided inaccurate or misleading information in the application for insurance.  
  • the property owner made changes that are significant in the use of the property without informing the insurance company, which can also result in a denied claim.  
  • the property owner may have deliberately set the fire/arson.  

These are serious allegations.  You should not try to deal with the insurance company yourself when you are faced with this type of serious claim against you.

You will need a civil litigator’s help to negate these allegations in making insurance claims.

Our civil litigation team can help you to prepare the proof of loss. You must include:

(i)  giving a complete inventory of that property and showing in detail quantities and cost of that property and particulars of the amount of loss claimed,
(ii)  stating when and how the loss occurred, and if caused by fire or explosion due to ignition, how the fire or explosion originated, so far as the insured knows or believes,
(iii)  stating that the loss did not occur through any wilful act or neglect or the procurement, means or connivance of the insured,
(iv)  stating the amount of other insurances and the names of other insurers,
(v)  stating the interest of the insured and of all others in that property with particulars of all liens, encumbrances and other charges on that property,
(vi)  stating any changes in title, use, occupation, location, possession or exposure of the property since the contract was issued, and
(vii)  stating the place where the insured property was at the time of loss,

Do not try to deal with the insurer yourself. Get the help of a civil litigation attorney.  The physical and emotional distress associated with losing your home and possessions is enough of a challenge.   Allow the civil litigators at Steinmans Trial Lawyers to assist you.

We have an office in Prince George, B.C.  to help with the preparation of claims. If necessary, we will start an action in court to obtain a payout from the insurer.

Contingent fees, hourly fees or flat fees are available for certain claims.

There are strict timelines – deadlines called limitation periods – for starting your lawsuit. Do not delay. Contact a civil litigation lawyer at Steinmans Trial Lawyers today.

Testimonials

  • It has been my experience that Neal Steinman conducts his practice, and himself, in accordance with the highest ethical standards and consistently exhibits sound judgment. He has the ability to effectively analyze complex legal issues, resulting in the provision of practical advice to efficiently resolve matters.
    -Senior Counsel in Litigation
  • Neal's all-round excellent legal abilities are coupled with a rare and genuine concern and interest in the well-being of his clients, not only the outcome of their legal issues. His highly competent approach to files frequently employs his unique inventiveness to achieve his clients’ objectives.
    -Counsel in Commercial Litigation
  • Neal has always proven excellent and wise counsel in a range of situations.
    -Counsel in Commercial Litigation
  • Neal treats each client with respect and provides legal services that are designed to meet the client's unique needs. I have referred Neal to my clients and have received very positive feedback. Neal is an excellent lawyer and I recommend his services.
    -Senior Attorney in Commercial Litigation
  • Neal's personal attention to cases and practical advice have served his clients well for over 25 years. He is an excellent litigator and one of the best negotiators in the British Columbia bar, and has represented clients in the insurance industry ranging from large, self-insured corporations to traditional insurance companies.
    -Attorney in Commercial Defense
  • Neal S. Steinman is one of the most knowledgeable, experienced, professional and skilled civil litigators, or barristers, I have ever known. After twenty (20) or so years of practice and having started over 100+ civil Trials, mostly Jury matters, one gets to recognize and respect real talent. Neal S. Steinman has a litigation skill set, both inside the court room and in the board room of a mediation, discovery, or pre-trial, second to very few. I would highly recommend retaining Neal S. Steinman
    -Senior Partner in Civil Litigation
  • In my dealings with Neal Steinman, I am consistently impressed with his analytical ability, his judgment, and his integrity. He is tactful and strategic, but never afraid to stand up for what's right. This is a lawyer I would want in my corner.
    -Counsel in Litigation
  • I have known Neal Steinman for over 30 years. He is a creative, entrepreneurial smart and practical lawyer whose communications skills are top-notch.
    -Partner in Civil Litigation
  • I am a tax partner and managing partner of my own tax boutique firm. I do not do any civil litigation work. I have referred a number of client matters to Neal Steinman over the years. He is an excellent lawyer and always obtained good results for my clients.
    -Attorney in Civil Litigation
  • Neal is an exceptional trial lawyer with good instincts for litigating and settling cases. He is one of the best prepared, most articulate, and practical counsel you can find, having honed his skills at the highest levels of practice at every level of court in British Columbia.
    -Attorney in Commercial Litigation
  • Neal brings a strong combination of experience, ethics, and energy to his practice. He is practical, problem-solving lawyer who is also unafraid to step into the courtroom when needed.
    -Counsel in Civil litigation
  • Neal is a very capable and skilled lawyer who thinks well on his feet and in the crunch of the moment in argument before the Bench. He is personable polite respectful of peers and well prepared. He finds practical and direct solutions to varied litigation problems. He is a capable navigator of the Court process and is very experienced, especially in defending commercial, estate litigation and motor vehicle accident claims. He works cooperatively with other team lawyers when it is required.
    -Senior Counsel in Commercial Litigation

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