- You have the right to a fair adjustment of the claim based on the terms of your policy.
- You have the right to a timely investigation of your claim.
- There are certain specific timing obligations on the insurer, although many of these can be satisfied by form letters from the insurer.
- You have the right to retain a public adjuster to represent you. Public adjusters are trained and licensed insurance experts who will assist you in submitting your claim and in negotiating with your insurer. Insurers often try to discourage the use of public adjusters, but in many cases public adjusters can be extremely beneficial.
- You have the right to retain an attorney to represent you in the claim. However, you do not need to hire one and in many cases you can handle the claim by yourself or with the assistance of a public adjuster. Wondering whether you should hire a lawyer? Contact us for a free consultation.
- You have the right to receive documentation of the amount of the loss the insurer is paying.
- If you do not agree on the amount of the loss, you are entitled to dispute the amount.
- In most circumstances, you have the right to accept a partial payment while disputing the total amount due to you, but you must be very careful in doing so.
- You have the right to file a lawsuit if the insurance company denies some or all of your claim.
