If you have ever had to deal with the aftermath of a disaster – be it one due to natural disaster or because of one cause by another person – then you know how frustrating dealing with issues related to property damage can be. After all, it’s not just about issues related to the emotional, mental or physical, but also the challenges related to dealing with the many phone calls, emails, faxes, and other assorted paperwork necessary to get the claims process started and handled. Then, after all the work and time invested in the process, there is the potential for your claim to be denied. Ugh!
So, what do you do if, after all the work and phone calls have been made, the claim is rejected? This is when you find yourself beginning another process – the insurance disputes one. If you have never found yourself facing this scenario, then it can be an overwhelming and often frustrating situation. However, there are things you can do to minimize the frustrations.
What to Do When Disputing an Insurance Claim
- First of all, be sure that you fully understand what your policy covers and what you need to do in order to have acclaimed look at and processed.
- Hire a public appraiser or insurance adjuster for yourself. This way, you can know that they are working towards a settlement that is in your best interests, not merely representing an insurance company.
- Keep a log/journal of every action, the verbiage and any other paperwork accrued throughout the claims disputing process. If necessary, plan for an in-home visit, then have those parties affect there so that all facts can be out in the open.
- Contact your insurance company and let them know that you are dissatisfied and explain the reasons why. You can also ask that the claim be reviewed again. Be sure that you understand how the appraisal was made and any factors that may have contributed to the amount offered.
- Discuss any concerns with your new insurance adjuster – especially if you get a second appraisal that you are dissatisfied with. It may also be helpful to show the adjuster what the original amount was, and explain the reason(s) for disputing the insurance offer.
- If you are still dissatisfied with the second amount offered, you can contact your state’s insurance commissioner and file a complaint. You will need copies of all your paperwork, emails, text, etc.
Dealing with an insurance dispute doesn’t have to be a horrific, long, drawn out process – especially when you work with a competent insurance adjuster. Contact a local insurance adjuster today.