When a serious illness, disability, or death affects your ability to pay your mortgage, mortgage insurance is meant to provide critical financial protection. However, many Ontario homeowners and families face challenges when trying to collect on these policies. At Trial lawyer Tim Leigh-Bell, we help clients navigate mortgage insurance claim denials, delays, and disputes with clarity and confidence.
What Is Mortgage Insurance?
Mortgage insurance is designed to pay off or cover a portion of your mortgage debt if you pass away or become disabled and are unable to work. Policies may be offered through banks, mortgage lenders, or private insurers, and typically include:
- Mortgage life insurance
- Mortgage disability insurance
- Critical illness mortgage protection
While this coverage can bring peace of mind, claims are often denied for technical reasons or misinterpretation of the policy.
Common Issues with Mortgage Insurance Claims
- Denial due to alleged misrepresentation or incomplete applications
- Disputes over cause of disability or illness
- Delays in benefit payouts
- Lack of transparency from insurers
- Unexpected exclusions in policy fine print
How We Help
Tim Leigh-Bell provides legal support throughout the entire claims process. We:
- Review your mortgage insurance policy in full
- Communicate directly with the insurance company on your behalf
- Assist with documentation and claim submission
- Challenge unjust denials and negotiate fair settlements
- Represent you in legal proceedings if necessary
Why Legal Representation Matters
Mortgage insurance claims are time-sensitive and legally complex. One misstep or missed deadline can cost you thousands. Having an experienced lawyer can significantly increase the chances of recovering the benefits you’re entitled to.
Why Choose Tim Leigh-Bell?
With over 30 years of experience in insurance and disability law, Tim Leigh-Bell understands how to handle complicated claim situations. We advocate for clients facing financial stress and ensure that insurance companies uphold their responsibilities.
Don’t Face the Claims Process Alone
If your mortgage insurance claim has been denied or delayed, legal support is just a call away. Contact Trial lawyer Tim Leigh-Bell at 1-800-797-6989 to schedule a confidential consultation.
