It’s Your Insurance Company’s Job to Compensate You For Storm DamagePosted June 8, 2015
In the state of Oklahoma there is an assortment of weather that must be deal with. Each year homes are at risk of damage from ice, tornadoes, hail, flooding, and fires. If tragedy were to strike your home, you would hope that your insurance company would be there to compensate you for the damage, but that is not always the case, and you need to know that it is your insurance company’s job to compensate you for storm damage. If there is a situation where your home is damaged by severe weather you need to know the steps you should take if your insurance company is unwilling to compensate you for your home.
Steps to take when your insurance company is unwilling to pay for damage
- Have detailed records available – You should already be keeping records and receipts for the contents of your home, especially for the more valuable assets. One source from the insurance industry suggests taking a tour of your home with a video camera to document all of your possessions. When it comes to disputing a claims, keep detailed records of the people to whom you’ve spoken, when you spoke to them, and what was discussed.
- Contact the state insurance regulator – Taking an insurance claim to court can tie up the process, may delay any funds you could possibly receive, and cause the process to take many years. A state insurance regulator can help you navigate the process and help move things forward.
- Know your policy and your rights – When it comes to your policy you should know what is covered, what needs to be done to file a claim, how quickly a claim must be submitted, and what process must be taken to estimate the damage reimbursements. You also need to know what your rights are in the case of a dispute. These will also be outlined in your insurance policy.
- Don’t give up – Trying to get an insurance company to honor your claim can be frustrating but don’t let that deter you. Whenever challenges arise from an insurance company you must stay on top of them. Follow up frequently with your agent and keep thorough documentation.
Speak With An Insurance Dispute Attorney Today
Schedule a free consultation online or call The Bennett Law Firms at 405.272.0303 to discuss your legal options with an experienced Oklahoma City lawyer today. No Recovery, No Fee! We will meet with you face to face and can handle cases Tulsa, Broken Arrow, and anywhere else in Oklahoma. We can even come to you!