Your Options When Your Insurance Company’s Hail Claim Settlement Seems Unfair

Following a hail storm, you submit a claim to your insurance company and do everything required under your policy to present your claim fully.  You expect your insurance company will take care of you and repair your home, but when you get their settlement offer you’re a bit surprised.  The damage to your home seems more severe than your insurance company believes and their settlement offer seems unfair.  What do you do?

The first thing you should do is request a re-inspection of the damages.  It’s possible the insurance company missed or overlooked some damages.  You should also have your own contractor to review the damages with your insurance company on your behalf.  An independent contractor will point things out that the insurance company may have not considered.

If your insurance company still refuses to offer a fair settlement, consider hiring an attorney.  Your attorney will provide a damage estimate with a settlement demand to your insurance company.  If the insurance company refuses to settle, your attorney will take the next appropriate steps.  Depending on your insurance carrier and your specific claim details, this may include a re-inspection, mediation, appraisal, or filing suit.

An insurance claim attorney can help ensure that your insurance company properly handles your claim according to their duties required by law. The attorneys at the Amaro Law Firm have vast experience dealing with insurance companies.  In fact, some of their attorneys worked as insurance company defense lawyers before joining the firm.  Now, they help property owners fight for fair and just treatment. Contact us for a free claim review.