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Homeowners insurance is purchased by prudent individuals to protect their property insurance lawyers from a range of varying factors. Premiums are charged through the insurance coverage company offering the cover in return for reimbursement should any of the insured elements occur. In contrast, what if the insurer decides to dispute the homeowners claim and refuse to pay for the resulting damage, loss or provide compensation for events unforeseen through the policyholder?
The very first guideline when looking at buildings and contents protection is to look diligently at the policy documents paying particular focus on the policy wordings in particular, what is covered and what is just not. Often the most critical parts of property cover are covered for example subsidence, flood damage, acts of nature etc but some of the better lessers expected events may not give you the cover you expect.
When purchasing your policy therefore look closely at the exclusions and make certain that you know very well what the degree of cover is protecting. In some cases insurers offer varying types of cover based upon the size of the premium paid which will become confusing, but ultimately it is down to you to inspect the qualities of the cover and make an educated decision.
Should you be in an unfortunate position and require to make a claim upon the policy ensure that you take hold of your policy documents and telephone the insurance company without delay. Several, if not all insurers, will place a time-limit upon a claim and should you not notify them in a reasonable amount of time, and they may decline your claim on this basis. The insurers will be in a position to evaluate the damage that you just inform them off over the telephone and provide you with a responsible response to your situation. In some cases according to the potential quantity of the claim the insurer may well send a company representative to th premises to inspect the damage for themselves. These folks are generally called ‘Loss Adjusters’ an act on behalf of the company in determing the correct actions and even the amount of the claim in question.
On the contrary, what if the insurer disputes your claim for damages? What options do you have?
You are permitted to request a review of your disputed homeowners coverage claim and to ask the company to present you with written clarification of the reasons for not settling the claim. If these facts doesn’t satisfy you then you will be able to apply to the municipality watchdog whom will act impartially and review your claim against the insurer. The outcome of this review are final and cannot be overturned or indeed reapplied for the same dispute.
In many instances, a lot of people are supplied with satisfactory reasons why claims are not paid, but it’s comforting to understand that additional recourse is available should you consider that your particular claim just isn’t being treated fairly and considerately.
