Insurance Disputes: FAQs
Addressing Your Questions and Concerns after a Hurricane
If your home sustained damage in a hurricane, tropical storm, or another kind of natural disaster, you naturally have questions – everyone does. If you’re facing an insurance dispute, you likely have even more questions. The answers to questions that other victims of violent storms frequently ask can help you move forward in the recovery process. If you have questions about your specific situation, consult with an experienced Panama City insurance claims attorney directly.
What Should I Do First?
The first thing you should do after weathering a hurricane and ultimately coming up against an insurance dispute is to consult with an experienced insurance claims attorney. If the insurance company is disputing your claim, it’s a good sign that it isn’t willing to compensate you fully for your losses without putting up a fight. A knowledgeable insurance claims lawyer will skillfully negotiate with the insurance provider on your behalf throughout the claims process.
Do I Need to Take Pictures?
Taking detailed pictures of the damage done to your property can be critical to your ability to recover fully on your losses. If your insurance provider is balking, these pictures can go a long way toward verifying that your version of events is true. As soon as it is safe to do so, take timestamped photos with geo data included (your smartphone camera likely includes these options) that carefully detail your property damage in its entirety.
How Long Will I Have to Wait to Receive Compensation?
The claims process is often quite lengthy, especially when insurance disputes are involved, and most people find that it takes from 18 months to two years to replace, repair, or rebuild their homes and replace their possessions after a significant loss. The Additional Living Expense portion of your policy can help you obtain temporary lodging, food, gas, and other necessities of daily living when needed.
How Can I Improve My Chances of Receiving a Fair Claim Settlement?
If your home has been seriously damaged – or destroyed – you’ve likely lost your greatest investment and obtaining a fair insurance settlement is paramount. The fact is, however, that the insurance company probably has a bias that favors its own profits over your rightful compensation. As such, there are several things you can do to help ensure you receive an appropriate settlement, including:
- Don’t accept the insurance company’s initial calculation of what you are owed unless your experienced insurance claims attorney okays it.
- Regardless of how friendly and compassionate your adjuster is, do not accept his or her final word on anything until you’ve obtained a second professional opinion from your attorney.
- Don’t give up – the claim’s process is often lengthy and complicated, but your rights are too important to accept less than you are owed.
If You Have an Insurance Dispute, You Need a Panama City Insurance Claims Attorney on Your Side
If your home has been damaged in a hurricane or other natural disaster, the last thing you need to deal with is an insurance dispute. The experienced insurance claims attorneys at Ged Lawyers, LLP – proudly serving the Panama City area – are committed to aggressively advocating on your behalf against any dispute that may arise and to fighting for your claim’s best possible resolution. For more information, please don’t hesitate to contact us online or call us at 561-562-4170 today.