Handling the Stress of Insurance Claims Disputes

Homeowners insurance is supposed to be there to alleviate financial stress when damage occurs to your home. But if a claim settlement offer falls short of expectations or if your claim is denied altogether, it can leave you more frustrated and stressed out than ever. Now is the time for insurance claims disputes. Disputes between customers and insurance companies over claim payments occur for many reasons, from fine print buried in a policy to debate over the cost to fix a house. But one thing is for sure; never face insurance claims disputes on your own. Always enlist the help of an expert to help you through the process step by step.insurance claims disputes

At Norcia Insurance Consultants, our experts specialize in insurance claims disputes for the Twin Cities and can help guide you through the entire process. We can even speak with your insurance company on your behalf, file important paperwork and more. If you think you’re getting a raw deal, you don’t have to accept it or face your insurance company alone. Here are a few tips to help you make your case. And then your ready, contact the experts in insurance claims disputes, Norcia Insurance Consultants and we can help you through it.

Review your claim. Not sure why the settlement was lower than expected? Ask for clarification. If it cites an exclusion or other specific language in your policy, ask it to point out the section.

Know your policy. Knowing what you’re entitled to under your policy can help your argument.

Document in writing everything your insurer or claims adjuster tells you. Keep a log of dates, whom you spoke to and what was said.

Ask for an at-home visit. If there are insurance claims disputes over the extent of damage to your home, ask your adjuster to inspect your house again.

And, these are just a few of the steps you can take to help alleviate the stressful situation that is the insurance claims dispute. Another essential step is finding someone to fight by your side. When you need to file an insurance claim or insurance claims disputes, it is important to get the help you need to file it correctly and get the payout you are entitled to. After all, it can be a stressful time and it can be easy to overlook things when trying to handle it yourself. A public insurance adjuster from Norcia can help you with your insurance claim and insurance claims disputes so that you can rest easy.

Do you need help with insurance claims disputes in the Twin Cities? For more information on insurance claims help, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Beware of Fake Insurance Adjusters

When tragedy strikes, there will unfortunately be someone nearby who wants to take advantage of the situation for unscrupulous purposes. It’s no different with insurance adjusters; while legit, ethical insurance adjusters want to help their clients, there are some out there who will pretend to be an adjuster just to line their own pockets without providing any help. That’s been the case as of late in Florida, Property Casualty 360° reported recently. The publication noted:

Post-catastrophe fraud has been commonplace for quite some time and is not specific to Florida. National events such as the Sept. 11 terrorist attacks, Hurricane Katrina, the Deepwater Horizon oil spill, and the series of tornadoes that ripped through the Midwest last year have offered fertile grounds for opportunistic con artists. Although some of these gross actors have been brought to justice, ongoing efforts between regulatory entities, law officials, industry organizations, and P&C insurers will be necessary to quell similar crimes.

While the bulk of the story takes place in Florida and outside the Norcia Insurance Consultants service area, it does serve as a good reminder of to be cautious about with whom you do business. In times of catastrophe, you want to make sure that parties coming forward to help you are actually going to do just that. However, you need to know how to weed out the fakes from the real insurance adjusters. How do you do that? Here are a few tips of what to look for in an insurance adjuster.

  • Check to see if they’re licensed. This can be done with a simple Internet search or with a phone call to your state’s Department of Insurance. If there’s no record of them, you can probably be sure that they’re not legit.
  • Do an online search of them. If they’re a fake, you’re probably not the first person that they’ve bilked money from. And if they’ve done it before, someone has probably filed a complaint that can be located somewhere online.
  • If it seems too good to be true, it probably is. Don’t believe exaggerated claims or go along with anything illegal or unethical. If this starts to happen, cut all ties with the adjuster and get in touch with someone else.