If your home was damaged, you want your insurance company to take quick action, right? Yet, that does not always apply. As a policyholder, you deserve an immediate response and efficient work done by your insurance carrier, but they often deny and even delay claims. Even though you might swiftly and efficiently file your claim, your provider fails to meet their end of the process. They string you along and place you in the vicious cycle of moving one step forward and two steps backward. Stress, frustration, and even anger can set in being in that type of situation, which are emotions the professional Public adjuster in Miami are all too familiar with. Along with knowing how to deal with the emotions of our clients, we continue to manage with diligence claims on behalf of those insured. There will always be premature signs that can indicate a problem in the future with your insurance company of which, you should keep note of.
Indicators of Potential Problem
Having been through such a phenomenon of possibly losing your home is already an issue you have had to face. Now, learning that the claim you gracefully filed has become another problem is excruciating. These are three indicators that may suggest a possible complication:
1. Are they having you wait for information?
If there was a major disaster, your claim being delayed is comprehensible. Oftentimes, though, companies will intentionally delay your claim, but you must know that laws were created to prevent that. There are regulations that state that insurance companies in Florida have two weeks (14 days) to get in touch with you after your initial claim has been filed. After a proof of claim has been submitted, they have ten days to respond. Furthermore, a 90-day period has been given for the companies to either provide the policyholder with a settlement or deny their claim. If you see that these times frames are not being followed, then seek out an expert Public Adjuster in Miami.
2. Are they requesting that you record a statement?
Although some insurance companies do this, asking you to make a recorded statement is highly unusual. In fact, typically a denial will proceed if they do ask this of you. Just one simple error that you say during the recording can be the cost for them not to pay your claim.
3. Is your claim being investigated?
If you request an update on your claim, usually the answer given is “it is being processed,” but if they tell you that it is under investigation, then there may be an issue. This means that your claim will be delayed even further because they might believe that your damage was caused by something other than what you are claiming for.
These are some important questions that we would like you to consider when you have filed your claim. Pay attention to the dates and requests that your insurance company is asking of you. If you notice any little discrepancies, then maybe there is an issue with your claim. Expert Public Adjusters in Miami are awaiting your call.