Understand Your Policyholder Rights During a Fire Insurance Claim

Understand Your Policyholder Rights During a Fire Insurance Claim

At StormClaim.com, our public adjusters know that fire damage claims are often met with scrutiny by insurance providers. Unfortunately, the recovery process can be long and arduous.

Fortunately, the Homeowner Claims Bill of Rights is here to protect you.

Residents Have the Following Rights as Homeowners’ Insurance Policyholders

Your insurance company must send you an acknowledgment of your insurance claim within 14 days after you submit the claim.

Within 30 days after you submit a complete Proof of Loss Statement, if requested in writing, your insurance company must send you confirmation that your claim is covered in full, partially covered, denied, or being investigated.

Within 90 days after you submit the claim, you should receive full payment, payment of the undisputed portion of your claim, or a written denial of your claim. If you have a mortgage lender or another party that has partial ownership of the property, the claim payment check may also be made out to them.

If your claim is not denied and you do not receive full payment for your claim or payment of the undisputed portion of your claim within 90 days after your claim is filed, your insurance company must pay you interest on the full or undisputed claim amount. The interest starts accruing on the date you filed your claim and continues accruing up to the date when your insurance company issues payment for the claim or the undisputed portion of the claim. The interest payment is due when the claim is paid, or the undisputed portion of the claim is paid.

Contact Our Fire Damage Claim Professionals Today to Learn More About Your Rights and Options to Pursue the Best Outcome

If your home suffered fire damage that should be covered by your insurer, and you believe the insurance company is failing to provide an accurate assessment of those damages, contact our skilled public adjusters at StormClaim.com today to schedule a free consultation and learn how we can produce solutions for your unique recovery needs by calling (844) 967-8676.