When you contact HKS Law, your free consultation will include:
• Review of Your Situation
We’ll ask about the type of damage (e.g., water, fire, storm), date of loss, and how your insurance company has responded so far.
• Policy & Claim Review
We’ll examine your insurance policy (if available) and any documents you’ve received from your insurer, including estimates, communications, or a denial letter if one exists.
• Legal Assessment
We’ll explain:
- Whether your loss appears to be covered
- Whether the insurer is acting fairly and in compliance with Ontario law
- What your rights are under the policy and common law
• Next Steps & Options
We’ll give you a clear action plan:
- What you can do now to strengthen your claim
- When and how we can step in to deal with the insurer
- How we charge (Discussions regarding contingency fee – no payment unless you win)