Maximizing Your Home Insurance Claim

With extreme weather ravaging your home, probably you are now tallying up the damage you see in your roof and pipelines. The only challenge is whether you get the full compensation stated in the insurance policy. Insurance companies will try their best to cut corners in paying their holders, despite the fact of promising you benefits before.

Underpayment of claims occurs since many homeowners are not aware of their rights as policy holders. There is also the urgency to fix the damage right away to avoid further losses and lengthy battles. However, those that seek legal help for insurance disputes mostly got higher compensation, just because they assert their rights.

That goes on to say that you should know your rights as an insurance holder. Consequently, take note of these tips to strengthen your case in filing an insurance claims dispute.

Read the Coverage Carefully

Before filing the homeowners insurance dispute claim, make sure that you have an understanding in your insurance policy. Seek the help of an insurance claims attorney to know the parts you do not know. Not only that, but you should also review the contract from time to time and determine whether it still suits your need. Do not be one of those holders who have no idea what they purchased for and ended up underinsured.

Document the Damage  
 
Thanks to the rise of smartphones, documenting the extent of damage for your home has never been this easy. Take before and after photos of the house in the event of a disaster. Since weather forecasts are mostly accurate, capture shots of the roofs and walls at least three days before the storm. Remember that you will not be able to claim damages due to wear and tear.

In addition, you may also hire a professional to document the damage done in your home. He will prepare a report for you but it is imperative to keep copies of all estimates and receipts. If you can, ask him to prepare an inventory of all damaged possessions, including the price to replace.

Do Temporary Repairs

Some insurance companies claim that broken windows or doors result only because you waited for too long. Fix these right away so they cannot use that reason but document the damage, and keep receipts for them to reimburse the expenses.

Do not be discouraged with a Rejected Claim

Note that not everything that is rejected by the insurance company in your request is binding and final. If there is causation between the incidental damage and the main source, you have a good chance of getting the claim successful.

Prepare for a Legal Battle

In a way, you are fighting against the insurance company to get the compensation you deserve. They also have their reasons to put the compensation in the lower end of the estimates. If the arbiter found out that what they gave is inadequate, he may order the insurance company to pay for the legal expenses. Do not fear – a dispute claim is not a ground for them to drop you in their roster.

Consult Us Today!

Cohen Law Group seeks to fiercely fight by your side for you to get the compensation you deserve. Call us today for consultations and appointment!