Insurance Companies Forcing Litigation Rather Than Claim Settlement

When the unthinkable happens, and your property is damaged, the last thing you want to feel is alone in the fight to get the money needed to restore your home back to normal.
 
That is where a public insurance adjuster comes in. Public adjusters are meant to be your partners who are looking out for your best interests and work for you not the insurance company. Because they are experts in their field, they should be your go-to resource to help ensure the best possible outcome for your insurance claim.

How to Negotiate a Settlement Using a Public Insurance Claims Adjuster

Public adjusters act as the middleman between you and your insurance company and work directly for you, not the insurance company. Understanding how a public adjuster can help you is important because they are the professionals who know the best practices that can get you the most money possible.
 
You should hire a public adjuster when filing a property damage insurance claim, especially if there is a large sum at stake. They assist you in properly assessing and documenting the damage, the preparation of a detailed cost estimate to repair the damage, and they will leave no stone unturned to make sure the money you will be receiving includes all the coverages in your policy that are owed.
 
When confronted with property damage, a lot of people tend to underestimate the cost of repairs. For example, if your windows were shattered in a severe storm, you may only calculate the cost of new windows to replace them.
 
But, without an experienced public adjuster, you could be leaving out other cost variables such as removing the damaged windows, the cost of the new installation and adjoining materials affected such as wall paint or trim. A public adjuster is an expert in also finding the hidden costs of repairs like these.
 
Once the preparation is complete, you will work with your public adjuster to file your claim. Typically, public adjusters will handle most of the process, but they will be sure to communicate with you every step of the way.
 
During the process, if the insurance company refuses to properly settle the claim and you are left with no choice but litigation, you will likely need to hire an attorney to get your claim paid. Unfortunately now, more so than ever before, many property owners find themselves in this situation. Insurance companies are choosing not to settle claims when they should and instead force cases into litigation.

What is insurance litigation?
From the perspective of a policyholder, insurance litigation is the process of taking legal action against your insurer. Depending on the situation, litigation could arise if it becomes clear that the insurance company is not acting in good faith because of unwarranted delays or us refusing to negotiate and settle your claim.
The Role of Homeowners Insurance Companies
What is the insurance company’s role in this process?  Typically, their role is to receive the claim, inspect the damage and approve and negotiate claims, but sometimes, this does not happen.
 
There are times when the insurance company requests documentation that a policyholder is not skilled at preparing which can draw out the claim process. and This may make you feel that there is no one fighting for you after the devastation of having property damaged.
 
If you feel like you are in this situation and need someone in your corner, Reliant Insurance Adjusters is here for you.
 
Our skilled professionals with outstanding customer service treat your claims as if they were their own, and they will be by your side every step of the way. You don’t need to do it alone. Reliant is here to help. Contact us today for a complimentary consultation.