When you pay for homeowner’s insurance, you may do so to help ensure that you have the money you need to cover damages if something unanticipated happens. Hailstorms, hurricanes and floods are among the hazards you face as a Texas and Gulf Coast homeowner. When your insurance company fails to make you an appropriate offer or denies your claim entirely, you may feel understandable frustration.
If your insurance company acts in bad faith in either denying your claim or lowballing your settlement offer, you may have recourse. If you are facing this situation, consider taking the following steps.
Review your claim
The more you understand the terms of your homeowner’s insurance policy, the better the chances of you making a sound argument. If you have questions about why your insurer denied your claim or offered so little, ask them. Make sure to document all communications with your insurance agent in writing. You may also want to get quotes from repair professionals if you believe the offer the insurance company is making is too low.
Appeal the denial or settlement offer
If you wish to appeal your denial or settlement offer, write your claims adjuster explaining why. Include any evidence you may have that supports your side and request a prompt response. Send the letter via certified mail to ensure timely delivery. Consider also sending copies of the letter to your insurance adjuster’s supervisor.
If appealing your claim through writing a letter does not get you results, you may have no option other than to move forward with litigation.
