Having Difficulty With Your Claim?
Most insurance policyholders find that their claims are paid
quickly and fairly. However, if you are not satisfied with how
your claim is being settled, consider the following steps:
- Contact the claims supervisor or manager Keep lines of communication
open and continue to work with your company by asking to speak
to the adjuster's supervisor or manager.
- Talk to your agent or company representative. Tell your representative
about your problem and ask them to intercede on your behalf.
- Go straight to the top. If you still are unhappy, write to
the head of the claims department or the president of the company.
Send a letter explaining the situation with copies of supporting
documents. Remember to send only a copy and not any original
- Contact your State
Department of Insurance. Explain the reasons for the disagreement
to the consumer representative at your DOI. He or she will investigate
your claim and will help to resolve any differences you may
have with your insurer.
- Hire an independent appraiser. This process is explained in
your policy. You hire an independent appraiser and your insurance
company also hires one. Together the appraiser chooses an "umpire."
The decision of any two of these people is binding. You and
your insurer each pay for your own appraiser and share the other
Source: Insurance Information Institute
After your claim has been settled and repairs are underway, take
some time to evaluate your Homeowners or Auto Insurance coverage.
Talk with your insurance agent or company about possible changes.
If you have questions regarding your coverage, making a claim
or settling a claim, call your insurance agent or your company.
To request a free brochure, Settling Insurance Claims After
A Disaster, order it online through NW Insurance Council's