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Disagreement With Insurance On The Damage Amount? What Are Your Options?

disagreement with insurance on damage claim

When your home is damaged by an insured peril, it’s important to try to work out a settlement with your homeowners insurance carrier. You may not agree with the way the insurance adjuster handles your claim, and at times, you may feel like the claim process is one long, tedious argument. Still it’s important to realize, that you have a contractual relationship with the company that insured your home at the time of your loss. You cannot sever the relationship and every claim issue will be resolved sooner or later.

Sometimes you and the adjuster can work through your differences. Other times you must rely on outside intervention. Your homeowners insurance policy acknowledges that possibility under Section C - Conditions, E Appraisal.

The Appraisal Process

When your insurance company refuses to back down from what you feel is an unfair insurance offer, maintaining a sense of trust can be difficult. This can happen when you and your insurance adjuster are worlds apart in the way you see your claim. The claim process tests your patience with damage repairs, content replacement, additional living expenses, and many other claim aspects. It’s impossible to agree on everything, but if you and the company adjuster feel like you’re banging your heads against a brick wall, it’s best to try something different.

A Homeowners Appraisal is a step-by-step process.

  • The insured and insurance company fail to agree.
  • Either may submit a written Appraisal request.
  • Each party chooses and pays for an appraiser.
  • The two appraisers choose an umpire.
  • If the appraisers agree on a figure, the company pays that amount
  • If they disagree, the umpire reviews their differences.
  • When any two (umpire and/or appraisers) agree, their figures determine the settlement amount.

Alternative Dispute Resolution

When insureds and insurers can’t agree but wish to avoid litigation, they may initiate the ADR process.

Mediation - Facilitated negotiation where a mediator listens to both sides then brings the parties together to work things out informally.
 
Arbitration - A group of arbitrators hears the evidence for both parties and decides what should be done. When arbitration is binding, the decision is final. With nonbinding arbitration, either party may reject the findings and try something else.
 

Filing a Lawsuit

You have no right to sue your insurance company until you have complied with all terms of the policy. That includes filing a proof of loss, submitting to a statement under oath if requested, working through the mandatory Appraisal Process and any other applicable provisions. If you have complied with all policy terms, you may choose to sue.

Public Adjuster

A public adjuster is an important option to consider when you want your claim issues resolved without resorting to Appraisal, Alternative Dispute Resolution or Litigation. A public adjuster is an insurance professional with extensive claim experience and insurance knowledge. Many public adjusters come from insurance company or industry backgrounds, so they understand the insurance claim process from both sides.

Your public adjuster will conduct his own investigation, review all aspects of your claim, deal with contractors and insurance company adjusters, and do everything to get the most claim dollars for you. A public adjusterwill receive a percentage of the amount recovered under the policy.

For more information on hiring a public adjuster to resolve your claim issues, contact Miller Public Adjusters.

Miller Public Adjusters currently serves the states of
WisconsinFlorida - Illinois - Indiana - Michigan - Minnesota - Texas

Call us 24 hours a day at  (800)958-4890  to schedule an appointment or
please fill out a Free Claim Review to see if we can help.

David Miller
David Miller
My name is David Miller and I am the proud owner of Miller Public Adjusters. With years of experience in the fire and water restoration industry, my passion is to help homeowners and business owners who've suffered a loss, because I know what's it like to have a personal fire loss and an insurance company that doesn't want to pay the claim. Feel free to comment or ask a question. We are here to help in anyway possible.
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Client Name: Amanda W.

If I could provide one crucial piece of advice to anyone dealing with a major loss due to fire, water damage, etc. – it would be to contact Miller Public Adjusters!

Client Name: Gayle S.

“Excellent experience. I had a major fire which destroyed my business. My Insurance company was hostile and adversarial at best. I hired Miller Public Adjusters. They did everything. I never had to have another conversation with a elusive and hostile insurance company. If I hadn’t hired Miller Public Adjusters to represent me, I would’ve lost everything.”

Client Name: Erica F.

“Dave is super knowledgable on the process as he’s not only been in the industry for years but he has also had personal experience with his own fire-damaged home. No matter how trivial you may think your question is Dave and his staff will take the time to make sure your questions get answered and you understand the ramifications. His expertise on the matter quickly turned what seemed to be a hopeless uphill battle into a more manageable playing field.

Client Name: Manny V.

“Top-notch service would recommend Miller Public Adjusters service to anyone. Dave thank you much. The process was great.”

Client Name: Phyllis M.

“David and his staff are outstanding and worth their weight in gold. If you need help with any insurance claim, hire them; you’ll be glad you did! If I could rate them 100 stars, I would!”

Client Name: Sharal D.

"Champions. Warriors. Heroes. Lifesavers! That’s exactly what David Miller and his fantastic team at Miller Public Adjusters are! There really are no words to describe what his team has done for me and my family. We are extremely grateful, and they are WORTH EVERY SINGLE PENNY you pay them for their services and then some!"

Client Name: Michele K.

“Thankfully, the restoration company referred us here. From that point on, David at Miller Public Adjusters reassured us that he would do everything in his power and knowledge to prove that our homeowners insurance should cover the damages. In the end, we won the case and the claim was paid. I can’t thank David at Miller Public Adjusters enough!”

Client Name: Todd L.

We never would have been able to navigate the confusing world of a total loss claim without their help, guidance and expertise,” Todd stressed. “I would recommend Miller Public Adjusters to anyone who is faced with a traumatic claim that involves dealing with ‘Big Insurance.’ They will absolutely help to alleviate much of the pain.

Client Name: Christine S.

They were successful at getting the maximum settlement from the insurance company. My family and I are always praising Miller Public Adjusters to people who ask us about the fire. We can’t thank them enough.

Client Name: Debbie G.

“Miller Public Adjusters knows what they are doing and stood firm against the insurance company. Miller Public Adjusters got us everything we were entitled to, and even more than we thought, in a matter of months. We did not have to deal with our insurance company and also did not have to purchase anything and turn in receipts for reimbursement. What a time-saving relief. Miller Public Adjusters are knowledgeable, understanding professionals, and we highly recommend them to all our friends and family.”

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