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In the dark of night on Sept. 12, 2008, Hurricane Ike slammed into the Texas Gulf Coast, leaving the most devastation since Hurricane Alicia in 1983 and resulting in the largest power outage in the history of the state of Texas. In the ensuing weeks, beleaguered residents of Harris County and surrounding areas have struggled mightily to restore order to their lives. For many unlucky ones, that meant facing life with a badly damaged or even destroyed home. In order to begin the recovery process, homeowners desperately need help from the insurance providers which they paid in good faith for homeowners insurance coverage. Sadly, not all insurance companies are prone to respond in a helpful manner in such crises. By delaying or denying payment, they can claim more profits, and they may be counting on staggered homeowners not to pursue their claim to its fullest extent. Of course, a homeowner should not have to be concerned with such a task. A homeowner should be able to file a timely and comprehensive claim and then see it satisfied, provided the claim is a valid one. But that's not always the way things work in the multi-billion-dollar insurance business. Instead, insurance companies may delay payment by taking an inordinate amount of time to investigate a claim. Then, they may try to underpay on the claim, dismissing or discounting the amount. Getting proper insurance coverage may turn out to be a tug of war between the insurance company and the homeowner who's been victimized by hurricane damage. If this is the case for Harris County homeowners, a Harris County hurricane insurance fraud lawyer should be sought. Nearly everyone will need lawyers at some point in his or her life. Whether it's to draft a will, draw up a contract, find legal help and advice or obtain a divorce, lawyers provide the expertise other citizens don't have. However, legal help can be expensive, and most people can't afford to retain a lawyer or a firm for those instances when something just comes up. An increasingly popular solution to this problem is prepaid legal. Prepaid legal functions on much the same premise as insurance. When one buys auto insurance, the expectation is that a regularly paid premium assures the purchaser that the company will cover the expenses necessary to fix an unexpected problem. Medical/health insurance carries with it the same expectation. When purchasing legal help through a prepaid legal plan, one is, in essence, receiving legal insurance. Lawyers are on hand to provide advice and/or representation as needed. However, like other forms of insurance, prepaid legal features different levels of covered services and different prices, depending upon which plan is chosen. Some employers offer prepaid legal help as a fringe benefit. It is also possible to purchase through "group legal plans" through coops and other groups. Before choosing a plan, however, it is important to be sure the company offering the service is reputable. Checking with the Better Business Bureau can be a big help. Lawyers can be expensive. Hourly rates are high, and the cost of legal help on retainer is often prohibitive for most people without large amounts of wealth. But at some point everyone will experience a need for legal help, or at least access to lawyers. A prepaid legal plan can help alleviate the high cost of legal representation, while ensuring that legal advice is readily available. There are numerous reasons why you may seek an appeal after your personal injury claim has reached verdict. No insurance company is going to hand over the maximum amount of compensation to an injury victim without a fight, and many injury victims end up without enough compensation to stay afloat financially. If your insurance claim has been denied altogether, there are several steps that you can take to position yourself for a successful appeal. First, read through your policy extensively in order to gain a firm grasp of what is covered under your insurance policy. It is important to seek help during this stage so that you can understand the fine print, and an experienced injury lawyer can help with this process. Next, call the insurance company and ask for all of the information about what you need to appeal the claim. Keep careful documentation of who you talk to and record all pertinent information. Then, write a letter to the insurance company stating that you wish to appeal your denied claim. Copies of the bills from your provider, medical records, and records of the steps you have already taken should also be included with the letter. Once these steps are completed, it may take weeks or even months for your appeal to be processed. During this time, be sure to call often to check the status of your appeal. Insurance companies have a three-level appeals process, and your appeal with first be reviewed by the company's appeals staff or medical director who is responsible for the denial. A second-level appeal will be reviewed by a director who was not involved in the original decision regarding the claim, and the third-level will involve an independent reviewer and a doctor who is board-certified in the same specialty as your doctor. During this process, it is beneficial to enlist the help of your doctor and a personal injury attorney who can help you in your appeal. In cases where the insurance company continues to deny the claim past the third level, you can take the appeal to the state level. You will only have a limited time from the date of your procedure to file an appeal, and it is wise to seek the help of a Houston personal injury lawyer who has extensive experience in appellate court. The laws pertaining to appeals are very specific and detailed, and you must know how to proceed in these types of courts in order to be successful. When you contact the team at Sloan, Bagley, Hatcher & Perry [http://www.injurylawfirmhoustontx.com] about your personal injury case or insurance claim, you will benefit from the comprehensive and knowledgeable help the firm's lawyers can provide. The Houston personal injury lawyers at the firm have over 100 years of combined experience in personal injury law, and will fight tirelessly to accomplish the best outcome for your case. Regardless of whether you have suffered injury in a car accident, motorcycle accident, construction accident or because of a defective product, you will find the compassionate and respectful help you need at Sloan, Bagley, Hatcher & Perry. Article Source: http://EzineArticles.com/7369998

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