What to do about your underpaid insurance claims?


What if the insurance claim checks for the damage that the hurricane caused on your home came in the mail and was less than you expected? What should you do about it? Even though you’ve always paid the premium on time and make sure you have the right coverage for your home and its content, the insurance company couldn’t fulfill the promises they made.

Property insurance is supposed to help alleviate the financial burden after a catastrophic event which is why getting a notice that a property damage claim is being underpaid or is denied can be so ruinous.

There are a number of reasons why insurance claims get Underpaid Insurance Claim or denied. Mentioned below are some of the reasons why.


Here are some of the reasons why homeowners' insurance claims get underpaid.

Misclassification Of Damage: With the hurry to complete as many claims as possible and their unfamiliarity with the types of storm damage, insurance adjusters often misclassify damage on your home as being unrelated to your claim.

Lack Of Proper Value Determination: In the aftermath of a ruinous storm, insurance companies pull in adjusters from all over the country to inspect properties with damage claims. Not being from the same state or from the same area, they may undervalue either the extent of the property or damage or both.

Need For Profit
Insurance companies are for-profit companies. As such, they will try to lessen the claim amount in order to make more money. There are various strategies used to do this, including:
  • Your home’s damage pre-dated the policy period
  • The storm was not the cause of damage
  • Claiming that your policy does not cover a particular type of damage included in the claim
What You Can Do

These are some of the reasons why homeowners insurance gets underpaid. If you receive an insurance claim settlement that is much less than you expected, you do have recourse. You can partner with an experienced property insurance attorney to file a lawsuit to protect your rights. Even better, if your home suffered damage in a hurricane, contact a law firm that will advocate for you through the claim process to help protect your property insurance rights. Make sure you opt for the right attorney and receive the Underpaid Insurance Claim Attorney.

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