A homeowner may file a claim for his home insurance if he or she has just reason. Sometimes, after assessing the claim form and viewing the damage, the insurance adjuster passes the claim. At times however, a real dispute arises between the homeowner and the insurance company regarding the terms and conditions of the claim and the insurance company may look for ways to reject the claim. Many home owners are ignorant of the fact that they have the right to dispute the result of their claim. The following are some ways to dispute a homeowner’s insurance claim:
As a homeowner, you can contact your insurance agent. Most Oklahoma City Home Insurance agents want to make sure you have a great experience with your claim. You can let the insurance agent know that you are not content with the result of the claim and want to have the insurance claim reviewed again. Insurance agents often help homeowners get their insurance money.
You can also get in touch with the insurance claims adjuster. The claim adjuster takes all the major decisions when it comes to insurance claims. You can speak to the adjuster and find out how that person arrived at a particular conclusion regarding your insurance claim. Request them to take a look at your property once again and ask for a second review.
You can also speak to the claims manager of the insurance company. Explain to him why you are displeased with the claims result and request him to review the loss for mishandling and mistakes.
If things do not work in your favor you can contact the insurance commissioner. The insurance commissioner is actually employed by the state, and his work is to supervise the actions and activities of different insurance companies. You can contact the state insurance department and clarify that you had filed a home insurance claim but you are not satisfied with the outcome. Give them every detail about your dealings with the insurance company, the adjuster, and the manager (if one is involved). You can plead for a second review of your claim either to the insurance commissioner or to his officials.
If you want to review your claim, it is imperative that you record the conversations you had with the insurance provider in complete detail. Maintain a record of the names and contact details of every person who you discussed your claim with. Records of conversation can prove to be useful during a dispute.
However, a dispute can be avoided if you do your insurance filing on a timely basis. Moreover, before getting insurance from an insurance company it is essential for every homeowner to know about the insurance company’s terms and conditions to avoid any future dispute regarding an insurance claim.
Call an ECI Agency agent today at 405-373-2977 for your free home insurance quote.