The reason you purchase homeowner insurance is to help protect your home from damage or complete ruin. This is why you take out a policy and pay monthly premiums. You want to protect one of your most valuable assets, your home, so that if something should happen you can receive cash to repair or replace the home you lost. But what happens if there is an Insurance Claim Dispute Cape Coral, and the insurance company refuses to pay you the benefits guaranteed by your policy?
One of the ways people get into this sort of mess is by not paying close attention to the fine print of the policy they purchase. You want to pay close attention to the wording surrounding all of the events that the policy claims it will cover. Most basic homeowner insurance policies will cover disasters such as floods, or other types of weather and natural phenomenon, but will gloss over more common occurrences. If the event that damaged your home is not mentioned in the policy, this is grounds for the insurance company not to pay for the damage your home sustained.
Another way to avoid an Insurance Claim Dispute Cape Coral is to contact the general insurance company immediately. A lot of the insurers out there have placed a time limit on when you can call to make a claim on your policy. If you delay too long and miss the appointed window, they will dispute the claim, and you will miss out on your cash benefit. Check your policy and with the insurer to find out if there is a time limit, and what that limit is.
If you experience a claims dispute on your property insurance, one of the options you have available is to request a review of the dispute. As part of the request, you can ask for the company to produce a written record of the reasons why they are opting not to pay the claim you made. This could result in a change in the dispute, but if it doesn’t you then have to appeal to the government for help in reviewing the disputed claim.