The decision to file a homeowner’s insurance claim dispute can be a difficult one, particularly if you believe that you are in the right and you have read the insurance policy from cover to cover. Unfortunately, even though all mortgage lenders will require buyers to purchase homeowner’s insurance to protect the assets that the lender is taking on as collateral, the homeowner’s insurance protects the contents as well as the outside of the home, but it is common to experience problems with the home owner’s insurance company.
If you do not agree with the results of your homeowner’s insurance claim, you can dispute the claim to ensure you’ll receive the amount that you deserve. Trying to handle a disputed claim on your own can lead to mistakes, and this is why it is recommended that you contact an experienced attorney to assist you with this process. If you believe that the insurance company wrongfully underestimated or denied your claim, you need to gather your evidence and present it directly to an experienced lawyer who can walk you through every stage of your case. Hiring your own public appraiser or insurance adjustor can assist you with assessing the damage amount or loss to the home. You also need to tell the insurance agent that you are dissatisfied with the outcome of the claim and explain the reasoning for your dissatisfaction.
You may also request that the claim be reviewed again. Usually, the insurance agents will do everything possible to keep you as a customer, but this does not always mean they will directly agree with your decision. You may need to follow any specific company processes outlined for disputing the claim. You’ll also want to request information about how the adjustor arrived at that decision or to contact the claims adjustor to ask that the property be re-evaluated. During the second evaluation of your home, you should raise any concerns about the evaluation and assessment of your property. A supervisor may need to be contacted to review any mistakes. If the manager then reviews your file and identifies that no mistakes were made, you may need to share that you intend to file a complaint with a state insurance commissioner. If you’ve followed all of these methods and have been unsuccessful in resolving your homeowner’s insurance claim, you may need to file legal action with the help of an experienced attorney.