March 18, 2024 - Mira Mesa, California. Garcia Hong Law helped a local San Diego couple resolve a real estate dispute with tenants renting their home in Mira Mesa. The tenants alleged habitability and mold issues. Valerie Garcia Hong and Coleman Alguire acted as personal counsel and stepped in to help our clients ensure that their homeowners insurance policy was covering these claims. Retaining a separate attorney, often referred to as Cumis counsel, can be important in certain situations, especially when the attorney provided by your homeowners insurance is not adequately evaluating or representing your interests.

Retaining a separate attorney, often referred to as Cumis counsel, can be important in certain situations, especially when the attorney provided by your homeowners insurance is not adequately evaluating or representing your interests.

Here are some reasons why you might consider hiring your own attorney in such cases:

Conflict of Interest: The attorney provided by your homeowners insurance may have a potential conflict of interest because they ultimately represent the insurance company. Their primary duty is to protect the interests of the insurer, which may not align with your best interests. A separate attorney can focus solely on representing you.

Independent Assessment: An attorney of your choosing can independently evaluate your case and provide an unbiased opinion. This can be crucial in ensuring that all relevant aspects of your situation are considered, and you receive the best possible advice.

Differing Objectives: Your objectives may not fully align with those of the insurance company. Your attorney should be working to protect your rights and achieve the best outcome for you, which might not be the same as what the insurance company seeks to accomplish.

Expertise: If your case involves complex legal issues, having an attorney with expertise in the specific area of law relevant to your situation can be invaluable. Cumis counsel often has experience dealing with insurance-related matters and can navigate the complexities of your case more effectively.

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