When a claim happens, the first few days can be confusing and you may feel like you’re going out on a limb with certain expenses.
Some expenses you, as a policyholder, may have during the claims process:
Miscellaneous expenses that occur during a claim are usually covered subject to the policy conditions.
Any expense you incur attempting to protect your property from further damage is a covered expense.
Receipts, including temporary repairs, additional living expenses, travel, and higher than normal utility expenses should be documented and submitted for reimbursement.
Moving expenses, temporary facilities, or housing the cost of replacing important papers are all part of a claim.
For example, maybe a roofer was needed to come out and tarp the roof or board up the property? Did someone need to make the property safe and secure the damaged items for inspection documentation and payment? It is important to keep track of all of your expenses, no matter how small, during an insurance claims process to ensure you are compensated for the money you spent.
Those expenses are reimbursable and part of what we at Bell Operations Systems do is make sure those items are protected and recovered. We leave nothing to chance and specialize in the proper documentation of the full amount of the loss. Our job is to look out for the policyholder and help you through every step of the claim. We can help individuals across the northeast, including New York, New Jersey, and Connecticut.
We are often called in when an insurance claim has reached an impasse. If you have reached this stage in your claim, there are a couple of things you should keep in mind:
No carrier can unilaterally declare an insurance claim settled by simply sending you a check.
That doesn’t mean that they won’t try to bully you into signing releases or waivers.
We were called in on a year-old claim that an insurance carrier deemed “concluded.” They had brought in their experts and tried to get the insured to sign off on a deeply unfair and poorly investigated claim. They were pressuring the policyholder to settle for what they were given, which would have meant that the policyholder would have to pay out of their own pocket to finish the repairs. The carrier ignored repeated requests by the policyholder to reconsider their position.
We got involved and conducted an independent investigation. We discovered the carrier had acted so badly and in such bad faith that we contacted the district claims manager and resubmitted documentation, which we carefully and thoroughly prepared for the policyholder.
We also assisted the insured preparing official complaints to the State and moved up the corporate ladder to file additional complaints with regional management.
A win for the policyholder. We got the claim paid fairly and the adjuster was disciplined by the state Insurance Department.