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.

Insurance Disputes and How to Get the Help You Need

Having homeowners insurance is meant to relieve financial stress after damage to your home, right? But often, a claim settlement is denied or falls short of your expectations. And, either of these events can leave you very frustrated. Not only are you worried about the health and well-being of your loved ones and emergency repairs, but dealing with your insurance company can add to the stress leading to feelings of being overwhelmed. Dealing with your insurance company is no easy task. When you need help with insurance disputes in the Twin Cities, it is essential you enlist the experts for assistance. Insurance disputes about the nature of your claim can arise for many reasons; whether they be the fine print buried in your policy or debates over the actual cost of fixing your home.

insurance disputesSo, when you believe you may be getting a poor deal, the experts at Norcia Insurance Consultants can help you understand your policy, speak directly with your insurance company and help settle any insurance disputes.

What are insurance disputes? An insurance dispute is a disagreement that arises about the amount due, the amount a company is willing to pay on a claim, or the nonpayment of a claim.

What to do in the case of insurance disputes. First, know your rights. The professionals at Norcia know all of the laws that dictate what insurance companies can and cannot do when it comes to bill collecting, settling claims and similar matters. Each state is a little different, but most states include the following regulations:

  • An insurance company cannot misrepresent your policy
  • They cannot use the appeal process to force their policyholders to settle for less than they are due
  • A company must acknowledge and process a claim promptly
  • Insurance companies cannot ask you for unnecessary forms in order to delay the process
  • A company must have a good reason to deny a claim
  • And many more

When you call Norcia Insurance Consultants, we can be your valuable resource in resolving any insurance disputes amicably. We work for you, not the insurance companies, and always have your best interest at heart.

When you educate yourself and have the experts by your side, your chances of resolving your insurance disputes are raised. Our job is to get you the full amount of insurance money you are entitled to. We will evaluate the damage, take pictures and video, analyze your insurance policy and to figure out how much money you should get.

Give us a call today and we can get to work for you! Ready to receive help with your insurance disputes in the Twin Cities? Call Norcia Insurance Consultants at 866-512-LOSS(5677) or you can contact us to Schedule a Free Consultation.

Storm Preparedness Helps Your Family Avoid Insurance Disputes

Storm season is upon us. Thunderstorms, wind and hail are not that far off. Preparedness is the key for you and your family to survive storms unscathed. Mother Nature may take her toll on your home and property, but there are steps you can take to ensure all is not lost. If you find yourself in the position of receiving a low-ball offer from your insurance company, you have every right to fight it. Call Norcia Insurance Consultants when damage to your Minnesota home creates an insurance dispute.

Be well aware of the types of potential weather disaster your particular area is prone to. Create your disaster plan, establish what will constitute an evacuation need and where will you will go (geographically) from there. Make sure all family members, those beyond kin that you will be including in the evacuation plans (crew, entourage, posse) are on the same page and are aware of the exact plans should that nightmare scenario unfold. If you do not already have one created, set up an emergency preparedness kit that contains first aid items, water, batteries, flashlight and radio, at a minimum.

Some steps you can take to protect your family and your home:

  • Keep gutters free of debris
  • Keep patio furniture on lockdown
  • Mount storm shutters
  • Seek shelter in a basement or interior room when the storm hits
  • Stay on top of weather forecasts
  • Trim tree limbs

After the storm hits a home owner need be prepared for the possibility of damage to their property. Eye up your home’s exterior, make note of items that may be missing or the damage that may have been done. Even the smallest hole created by a piece of hail can open a can of worms of destruction in or on your house. Evidence gathered, review your policy a bit—see what is (or should be) covered. Next, get a hold of your insurance agent to file a claim. A representative from the company will come to your house, assess the damage, get an estimate and you will be offered a payout for what THEY think the repair should cost.

Filing an insurance claim doesn’t have to ugly. Advocates for your cause are a mere phone call away. Help exists to help you through all of the hoops you have to jump through, answering your questions along the way. Talk to the insurance adjusters at Norcia today to learn how we can help you with your insurance disputes.

If you have other insurance disputes in Minnesota, contact us or call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.