Homeowners Basics

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Buying and Saving Money

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Help! I have to file a claim

A few words about claims

How do I file a homeowners claim?

How does the payment process work?

How is the settlement amount determined?

What can I do if I am having trouble settling my claim?

What is a public adjuster?

How can I avoid scams after a disaster?

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Home Owners Tips

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Videos

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Home Insurance News Feed

Home Insurance - What can I do if I am having trouble settling my claim?

If you are unsatisfied with how your insurance company is handling your claim, you have several options:

Talk to the agent or company representative who sold you the policy
Let the agent know that you are dissatisfied and explain the specifics of your problem.

Contact the claims manager of the company
Provide a written explanation of your problem with copies of supporting documentation. Remember to send only a copy and not any original documentation. If you are insured with a smaller company, consider writing directly to the president. Going to the top can sometimes speed the process.

Contact your state insurance department
Insurance is a regulated industry and your state department of insurance should be able to help you resolve your problem.

Call the National Insurance Consumer Help line
This toll-free telephone service (800-942-4242) can help you work with your insurance company to solve the problem.

Consult an attorney
If you have tried all four of the above tips and still can’t resolve the claim, you may want to talk to an attorney. You may have to pay a consultation fee for your initial visit, so make sure you know how much this will cost. Meet with an attorney who has solid references or get the name of someone from your local bar association. Prepare for the visit by bringing a copy of your insurance policy and other relevant documents. Get the fee structure in writing before you decide to pursue the case.

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