Insurance Disputes

Insurance disputes are common, but if you have never personally been involved in one you may have a lot of questions about what they are and how they are resolved. At RaiseMyClaim, we level the playing field by representing people who have had their claims denied, delayed, or undervalued by their insurance company. We also inform consumers about how the claims process works, so they are in a better position if they find themselves in an insurance dispute in the future.

Keep reading to learn more about how insurance disputes unfold—and how RaiseMyClaim may be able to help you successfully resolve your dispute.

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What is an insurance dispute?

An insurance dispute is a disagreement between an insurance company and a policyholder over how much money the policyholder may be eligible for under the terms of their coverage. As you might expect, most insurance disputes arise when an insurance company denies, delays, or undervalues a policyholder’s claim, and the policyholder decides to fight back.

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What types of claims are subject to insurance disputes?

When it comes to homeowners insurance, disputes may center on claims filed over the following types of damage:

Why do insurance companies deny homeowners’ claims?

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There are many different reasons an insurance company might deny a homeowners’ claim—some are more legitimate than others. As for-profit businesses, some insurance companies are looking for any excuse to deny or undervalue claims, even if the claims are valid. Here are some of the reasons they might cite for a denial:

Damage occurred before the storm/incident
Damage not covered under the policy
Damage does not cost more than the homeowner’s deductible
Policyholder was responsible for the damage
Claim was improperly filed or not filed on time

Many insurance policies state that a claim must be filed “as soon as reasonably possible” after the damage has occurred. This can mean as soon as 30 days after or as long as one year.

Be sure to familiarize yourself with the terms of your policy to avoid potential pitfalls when it comes time to file.

Has your home insurance claim been denied?

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