• Welcome to After the ClaimAlready filed an insurance claim? Are the insurers giving you the run around? Avoid common mistakes and learn the tricks the insurer use to keep you from receiving the benefits you paid for. Learn how to get through the red tape and get what you are owed with less hassle!
  • After the Claim Article: Coverage You Absolutely Need in Your Homeowners Insurance Policy Coverage You Absolutely Need in Your Homeowners Insurance Policy
  • After the Claim: Did You Know: Wind and hail damage are the most common reasons for damage to a home and result in an average payout of $7,177.Wind and hail damage are the most common reasons for damage to a home and result in an average payout of $7,177
  • After the Claim: Frequently Asked QuestionsWhen should I file my homeowner’s insurance claim?
  • After the Claim: Article:
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  • After the Claim: FAQ: What's Bad Faith Conduct?After the Claim: FAQ: What's Bad Faith Conduct?
  • Before the ClaimLearn how to successfully file an insurance claim while avoiding common mistakes and insurer tricks that keep you from recieving the benefits you paid for.
  • After the Claim: Did You Know: In terms of dollars, jewelry was the top category for claims covered by homeowner’s insurance policies.In terms of dollars, jewelry was the top category for claims covered by homeowner’s insurance policies.
  • After the Claim Article: 4 Ways to Fight a Denied Homeowner’s Insurance Claim4 Ways to Fight a Denied Homeowner’s Insurance Claim
  • After the Claim: Did You Know: The average premium for homeowner’s insurance 
in 2012 was $909The average premium for homeowner’s insurance in 2012 was $909
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Frequently Asked Questions

Q: How long does it take for a homeowner’s insurance claim to pay out?
A: It will largely depend on your insurance company and the nature of your claim. In some instances, an adjuster can write a check on the spot. In extreme cases, a claim pay out can be delayed by months or even years.

Q: I got an offer from my homeowner’s insurance company that seems low. What should I do now?
A: If you received an amount that is lower than the full cost necessary to fix your home, you need to revisit the repair costs. There might be a chance that you can save money so that the amount you received is sufficient for repairs. Unfortunately, this is rarely the case and it’s likely you could find yourself paying thousands of dollars out of pocket.

The first step is to file an appeal. However, this probably won’t go in your favor as the claims process is very similar to the appeals process. The issue of when, or if, to hire an attorney will largely depend on the conduct of your insurance company. If they are cooperative, communicating, and moving through the process in a swift manner, it might be best to continue dealing with them without an attorney.

One option in many states is hiring a Public Adjuster that can independently determine costs and damage to a property. Interviewing an attorney or a Public Adjuster is important and can help you decide if litigation is the next step.

Q: I filed an appeal with my insurance company about my claim but it was denied. Now what?
A: You have a few options, depending on your jurisdiction and the nature of your claim. If you believe your insurer is underestimating the value of damage to your home, you can contact a Public Adjuster for another opinion. There can be some time restrictions associated with filing a claim or an appeal. If you believe you might be coming close to losing rights associated with your appeal, a lawyer might be necessary.

Q: When should I contact an attorney about my homeowner’s insurance claim?
A: An attorney can really help with denied homeowner’s insurance claims. In general, if your insurance company is still open and communicating a lawyer might not be necessary. It’s important to know if there are any limitations in your state on rights to appeal or sue. If there are, contact an attorney immediately to assert your rights.

Q: What’s ‘Bad Faith Conduct’? How do I prove that my insurance company is guilty of it?
A: ‘Bad Faith Conduct’ is a legal terms that refers to the duty of insurance companies to deal with their customers in good faith. This essentially means that your insurance company is legally required to deal with you fairly. An insurance company’s conduct will almost certainly require the help of an attorney to prove. However, insurance companies that are found guilty of bad faith conduct will face additional penalties and fines on top of the original claim.