What Policyholders Need To Know About Insurance Claims
You can wing it on your own, you can hope your insurance company will indemnify you fairly in good faith, you can do nothing or you can choose to get the professional public insurance adjusters to make sure you get the settlement you deserve. The Supreme Court of Texas has been quoted saying, “We note at the outset that the insurance claim process is inherently adversarial. The adversarial process begins as soon as a claim is filed and ends only when the resolution of the claim is finally determined and accepted by the parties.” https://law.justia.com/…/supreme-court/2019/17-0640-0.html
The smart and proactive choice is to retain the experienced Licensed Public Insurance Adjusters at ICRS who specialize in settling large loss insurance claims representing only policyholders before there is a problem or at the first sign there is an issue.
The truth is, policyholders carry the burden of proof while insurers have a duty to perform a good faith claims investigation. Therein lies the rub. Adjusting insurance claims have an inherent conflict of interest built into the process. The insurance company and their representatives represent their interests, not yours.
Our philosophy is simple, avoid unnecessary litigation and appraisal.
Many Policyholders feel the same way. Insurance companies are masters at pontificating the belief that you’ll be covered under your policy but when dealing with insurance claim disputes that lead to underpayments or delays, most policyholders are unaware that they have options, rights and remedies to settling property damage insurance claims by working with an ethical public insurance adjuster like ICRS. Many policyholders have certainly felt the urge to hire an attorney, file a lawsuit to sue their insurance company, go through subpoenas, depositions, discovery, mediation and court when they are convinced their insurer has acted in bad faith. What many policyholders have found is that the legal process takes a lot of time, adds stress and so much of the documentation requirements to prove up a claim in a lawsuit are included in ICRS public adjuster Pro-Policyholder claim submissions. Our clients share the view opinion that the best course of action in settling a claim is engage ICRS public insurance adjusters at the beginning of a claim, present evidence that supports the policyholder’s position, comply with policy terms, assert relevant statutory insurance codes, expert opinions, department of insurance bulletins, evidence of damage, evidence of occurrence and make a demand for payment to the insurance company.
If a policyholder has exhausted all reasonable and necessary efforts to avoid unnecessary litigation to settle a claim and is forced to sue after making reasonable efforts to settle an insurance claim dispute with supporting evidence, documentation and presenting a valid argument for coverage, then we have multiple experienced attorneys who typically also work on contingency we are happy to refer.