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What should I do if insurance refuses my claim?

When you file a claim in Texas, whether it is after a hurricane, fire, accident or other stressful situation, you expect the company to follow through on the promises they made to you and pay out. This can allow you to move past the disaster event and begin rebuilding. Unfortunately, 14 percent of insurance complaints that policy holders make are related to the denial of a claim, according to Forbes.com.

If your claim is denied, the first step to take is to call the insurance company to verify that they did not make a clerical or administrative mistake. If that is not the case, then go over your policy in great detail to be certain that you understand exactly what your benefits are. Make sure you know how your policy is supposed to cover you and what type of protection it offers. Take note of details such as time frames in which you have to file and information you have to submit. Verify that you have, indeed, met these requirements. If you must take part in a deposition, consider having legal counsel to ensure you are properly protected.

Be persistent in contacting the insurance company and keep careful documentation of any communication you have made. Continue calling and request status updates. While it can be quite time-consuming, it is imperative to follow up and keep on top of the disputed claim. In addition to documenting the information you are given, keep track of dates, times and agents or representatives with whom you speak. Have easy access to your policy information when you make contact, which can allow you to directly quote parts of your policy when necessary during the discussion or to find discrepancies in information given to you.

This post is meant to be informative only and should not be interpreted as legal advice.

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The Law Office of Jessica Taylor, PLLC

The Law Office of Jessica Taylor, PLLC
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