Florida’s Insurance Consumer Advocate Tesha Carter recently told the Insurance Journal that she has been working with consumers to identify issues with delayed Hurricane Michael claims. Lack of communication was listed as one of the top complaints, but another common complaint stems from the fact that insurance companies might have sent multiple adjusters to handle a single claim. In a Q & A with the Insurance Journal, Carter noted that some consumers have “received up to seven to eight adjusters that have been assigned to their single claim.” This may occur for many reasons. Sometimes insurance companies might hire many contracted adjusters immediately after a storm hits, and as time passes, the claims may get passed between many different workers. For consumers trying to get their claims settled, this can result in lost documentation, miscommunication, and other issues.
What can you do if your Hurricane Michael claim still remains unsettled? If you are struggling with your insurance claim, one option you have is to speak to an insurance claims lawyer in Fort Lauderdale, Florida. Leader, Leader, & Zucker, PLLC is an insurance claim law firm that may be able to review your claim, review your insurance policy, and help you understand the steps you may be able to take to reach a settlement. But, what can you do if multiple adjusters have been assigned to your claim? First of all, let’s take a moment to look at your insurance adjuster’s job. What is it? Why is it important?
Your Insurance Adjuster’s Job
The insurance adjuster’s job is to understand your insurance policy, and understand the policy’s promises, guarantees, and limits. The adjuster will then also look over your claim to determine when you suffered damages to your home, what type of damages you sustained, and to gather contact information of important parties involved in the loss. Based on this information, the insurance adjuster must determine whether you are covered, what type of coverage you have for a given loss, and the value of the damages you sustained. Problems can arise however, if your insurance company hires contracted insurance adjusters right after a storm. As time passes, if your claim remains unsettled, the demand for adjusters may decrease after a storm, and the insurance company might pass the case on to in-house insurance adjusters. Problems can arise when these adjusters don’t communicate information thoroughly, when information or documentation gets lost in the shuffle, or when the insurance company fails to communicate to insured individuals that there has been a change.
Basically, when dealing with insurance adjusters, the key is making sure that you keep a clear paper trail of your correspondence with the insurance company. It might be wise to follow up phone calls with adjusters via e-mail, documenting everything you discussed and the next steps each party promised to take. The more documentation you have, the easier it will be to track your claim and also identify any issues if something goes wrong. Being organized can also help you should your claim change hands or should a new adjuster be assigned to your claim.
What should you do if you are still having difficulty with your Hurricane Michael insurance claim after all these months? First of all, try to be proactive. Make sure that your current adjuster has all the information he or she needs to settle your claim. Make requests in writing and submit documentation supporting your claim in writing—don’t just rely on the phone to be your primary line of communication. Finally, if you are still having trouble with your claim, reach out to Leader, Leader, & Zucker, PLLC, an insurance claim law firm in Fort Lauderdale, Florida today. Our attorneys can review your evidence, review your policy, and may be able to reach out to insurance adjusters to negotiate the settlement you may deserve under the law.
Dealing With Insurance Adjusters For Your Hurricane Michael Insurance Claim?
Insurance adjusters have a responsibility to review your case fairly and in a timely manner. Insurance companies also have a duty to honor the terms of your insurance policy. However, many consumers in Florida have been reporting undue delays in settling their claims, have noted problems of communication with their insurance companies, and issues with multiple adjusters handling a single claim. Many of these problems and issues come down to a breakdown of communication. Documenting all instances where you have tried to reach out to your insurance company is important. But, if you are still having trouble with your claim after all these months, you may want to speak to Leader, Leader, & Zucker, PLLC, an insurance claim law firm in Fort Lauderdale, Florida today. Our attorneys may be able to assist you with your claim today. USAttorneys.com can connect you with the insurance claims lawyers at Leader, Leader, & Zucker, PLLC.