When you file a homeowner’s insurance claim, stress can build to intense levels. Wouldn’t it be nice if you didn’t have to worry about your insurance company denying your claim on top of everything else? Unfortunately, any insurance dispute lawyer you ask will tell you that it happens a lot.
This is because insurance companies exist for one main purpose: to make as much money as possible. While having this goal doesn’t mean they will outright deny you coverage without due cause, it could mean you receive a settlement that is lower than you expected. Sometimes this happens because you and your insurance company aren’t sharing enough relevant information with each other. Fortunately, you can take these steps if you think you’ve been wrongfully denied coverage or if you think your settlement should be higher.
Get Your Insurance on the Phone
As soon as you receive word of a low settlement or a denial, start the process of getting in touch with your insurance. Be sure to come prepared—review your claim and come up with some ways to make your case more clear. The solution to the problem might be a simple one, such as providing more evidence of loss or damage. Case in point: if you only provided a few pictures of storm damage in your initial filing, consider giving more documentation to paint a better picture.
Prepare your documentation before calling your insurance company by setting aside some time to sort any pictures, videos, receipts, and repair estimates that you have available. Think of anything that might support your claim. Once you think you have enough evidence that your claim should be covered, ask your insurance provider if another claim review is possible.
Your insurance might agree to a second review of your evidence, but that doesn’t mean the decision will change. Perhaps they won’t even agree to a second review. If this happens, you might want to consult with an independent appraiser. Having a second set of eyes on your case can uncover new evidence and provide you with the leverage you need to get what you think you’re owed.
Get in Touch with an Insurance Dispute Lawyer
It’s possible that talking with your insurance and asking for help from an independent appraiser won’t change anything. Don’t worry, you haven’t exhausted all of your options yet. And now it’s time to get serious.
If you find yourself in this position, it’s time to talk to a professional. Sit down with an insurance dispute lawyer to find out if your case is worth pursuing. Don’t wait to do this if you think you are being treated unfairly. The longer you hesitate, the less likely you are to get the proper settlement amount.
Want to talk to an insurance dispute lawyer?
When your insurance company denies a claim or underpays, it can be disheartening. But with the right people in your corner, you can come out on top. Worried about being able to pay for an attorney? No problem! We work on a contingency basis. Let RRBH Law help you pursue your case. Contact us today.