Get the Settlement You Deserve

Home insurance is supposed to provide peace of mind. You diligently pay your premiums, trusting that your insurer will have your back when disaster strikes. But for many, the experience of filing a claim is far from reassuring. Instead, you may find yourself in a frustrating battle to get the compensation you need to repair your home and move forward with your life. To make matters worse, some insurance companies may cancel your policy after a claim, leaving you feeling betrayed and unprotected.

Here’s how to stand up to home insurance companies, maximize your claim payout, and protect yourself from unfair treatment.

1. Understand How Insurance Companies Operate

Insurance companies are businesses, and their primary goal is to make a profit. One way they do this is by minimizing claim payouts. Common tactics include:

• Delaying claims: Stretching out the process in hopes you’ll settle for less.
• Denying liability: Claiming that damage isn’t covered or is due to pre-existing conditions.
• Underestimating repair costs: Offering payouts far below what it would actually cost to fix the damage.

Recognizing these strategies is the first step toward successfully fighting back.

2. Document Everything

When disaster strikes, thorough documentation is your best weapon. This includes:

• Photographs and videos: Take detailed images and videos of the damage from multiple angles.
• Receipts and estimates: Gather receipts for repairs, temporary accommodations, or any other expenses related to the incident.
• Communication logs: Keep records of every interaction with your insurance company, including emails, phone calls, and the names of representatives you spoke with.

3. Know Your Policy Inside and Out

Carefully review your policy to understand what is and isn’t covered. Pay attention to:

• Coverage limits
• Exclusions
• Deductibles
• Endorsements (additional coverage options)

Having this knowledge will help you counteract any misinformation or misrepresentation from your insurer.

4. Get a Second Opinion

Insurance adjusters often aim to minimize payouts. To counter this, hire an independent contractor or public adjuster to assess the damage and provide a repair estimate. This can serve as a benchmark to challenge lowball offers from your insurance company.

5. Consider Hiring a Private Adjuster

A private adjuster works on your behalf, not the insurance company’s, to ensure you get the settlement you deserve. These professionals are experienced in handling claims and can negotiate with the insurer for a higher payout. However, be aware that private adjusters typically charge a fee, which can be around 10% of the settlement amount. While this cost may seem significant, it can be worth it if the adjuster helps you secure a much larger payout.

6. Partner with Aureli Construction

Aureli Construction specializes in helping homeowners navigate the insurance claims process. With extensive experience in dealing with insurance companies, Aureli Construction can:

• Assess the damage to your property and provide a comprehensive repair estimate.
• Work directly with your insurance company to ensure all covered damages are accounted for.
• Expedite the claims process and help you avoid common pitfalls that lead to underpayment.

By choosing Aureli Construction, you’ll have a trusted partner who understands the intricacies of insurance claims and is committed to securing the settlement you deserve, while also providing high-quality repair and restoration services.

7. Be Persistent and Professional

Dealing with an insurance company can be frustrating, but losing your temper can work against you. Stay calm, professional, and persistent. If your claim is denied or undervalued:

• Request a written explanation for their decision.
• Appeal the decision with additional evidence or documentation.
• Escalate your complaint to a supervisor if necessary.

8. Leverage State Insurance Regulators

Every state has a department of insurance that oversees insurance companies. If you believe your insurer is acting in bad faith, file a complaint. State regulators can investigate your claim and apply pressure on your insurance company to act fairly.

9. Consider Legal Action

If all else fails, consult an attorney who specializes in insurance claims. They can help you navigate the legal process and determine whether you have a case for bad-faith insurance practices. Many attorneys offer free consultations and work on a contingency basis, meaning they only get paid if you win your case.

10. Prevent Policy Cancellation

Unfortunately, some insurance companies may cancel your policy after you file a claim, citing increased risk. To reduce this risk:

• Avoid filing small claims that you can cover out-of-pocket.
• Maintain your home to minimize potential risks (e.g., fix leaks, clear gutters).
• Shop around for a new policy if you suspect your current insurer might drop you.

If your policy is canceled, act quickly to secure new coverage. A gap in coverage can leave you vulnerable to financial ruin if another disaster occurs.

Fighting your home insurance company can be a daunting task, but you’re not powerless. By understanding your policy, documenting everything, seeking professional help, and standing your ground, you can increase your chances of a fair settlement. Whether you hire a private adjuster, partner with a trusted company like Aureli Construction, or escalate the matter legally, persistence and knowledge are your greatest tools for leveling the playing field.