What To Do When Your Home Insurance Company Won’t Pay?

  1. 22 POINTS
    Dan Beukelman
    CSR, American Family Insurance,
    Most insurance companies will have a second inspection criteria.  It normally requires you to get a contractor that will agree that there is damage, and provide a written, detailed estimate of those damages to the insurance company.  They should then provide a second adjuster to inspect the damage with your contractor.  Worst case, you can contact your state Department of Insurance.  They should be able to help.  They are free and part of their role is consumer protection.
    Answered on March 17, 2014
    flag this answer
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    An insurance policy is a legal contract.  The company is one of the parties of the contract and the insured (you) are the other part.  You both have responsibilities under the policy.  If the company does not perform as they have contracted you have a cause of action in a court of law.  There may be steps to take before filing a lawsuit but that is your ultimate recourse.
    Answered on March 17, 2014
    flag this answer
  3. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    When you purchase your Homeowners' Insurance, read it over carefully and discuss the terms and conditions of your contract with your Insurance Professional.  That way you have a better understanding of what is covered and what is not.  If the contract indicates that there sould be coverage for your loss, and your company denies the claim, you can certainly discuss the situation and get a clearer understanding as to why.  If you feel their decision is in error, you can always file a report with the state Insurance Department who will investigate the claim and disposition on your behalf.
    Answered on March 17, 2014
    flag this answer
    4. Did you find these answers helpful?
    Yes
    No
    Go!

Add Your Answer To This Question

You must be logged in to add your answer.


<< Previous Question
Questions Home
Next Question >>