In our last article, we discussed why, exactly, insurance companies may purposefully delay the payment of your homeowner’s insurance claim after your property has been damaged. In today’s blog entry, we are talking about what you should do once you realize that your claim may be wrongfully delayed:
- Keep a record of everything. If you want to prove that your insurance claim was wrongfully delayed, you will need evidence. Be sure to take notes, keep a log of insurance company interactions, and keep copies of all correspondence. Of course, be especially sure to note the excuses for any delays.
- Ask them for specifics. If you insurance payment is delayed, complain to the insurance company about it! Find out exactly what the problem is and what it is doing to fix it. Does the problem seem reasonable? Are they asking for paperwork that they have already received? Are they coming up with one excuse after another? They may be acting in bad faith.
- Read your insurance policy. Your insurance policy is a contract that your insurance company has with you. You promise to do certain things and it promises to do certain things. In most cases, the company has promised to pay your claim in a reasonable amount of time. If it has broken its promise, you may have grounds for a lawsuit.
Talk to a residential insurance claims attorney. Bad faith insurance lawsuits based on delayed payment can be tricky because you must prove that your claim was delayed for an unreasonable amount of time. One of our homeowner’s insurance claim attorneys can help you understand your case and help you get paid. To speak with a lawyer today, call us at 888-614-7730.