I've met several homeowners over the years that are confused and in some cases slightly fearful to file an insurance claim.
Some just don't understand how their insurance works, which is understandable as the paperwork associated with your policy may appear to be an insurmountable mountain.
Some consumers are slighted by horror stories that they have heard or even the negative experiences of friends/family.
Knowing your basic rights and some fundamental principles can save you a lot of hassle.
Simplistically, if you are a homeowner and have homeowner's insurance you should understand that at the very core: You have the right to file a claim and receive a fair settlement You have the right to appeal the denial of a claim When you contact the insurance company and file a claim, you should expect a reasonable response in a reasonably expedient manner.
If you do not understand the decision or do not believe that it is a reasonable response, you do not have to accept a bad decision.
You are within your rights to request additional information and if necessary to work towards building a case that a decision was incorrect.
Additionally, in the state of Oregon (as in many states): You have the right to select your own service provider While many insurance companies work with recommended vendors, you can opt to consult your own contractor.
This does not mean you have the right to set the price for your repairs, but you do not have to be forced into hiring someone that you are not comfortable with.
In most of the situations that we have addressed, the insurance companies have been accommodating and are willing to work with companies that are reasonable.
You have the right to file an insurance complaint with the Oregon Insurance Division's Consumer Advocacy Unit (insurance.
oregon.
gov) Oregon regards the consumer and takes insurance claims very seriously, the state has a division devoted to assisting the consumer better understand a decision as well as pursue abuses by insurance companies.
You should not have any reservations about consulting your insurance company.
If you have a question, call your agent to discuss your policy.
Please note that agents are not adjusters, while they should know the details of your policy, ultimately it will be up to an adjuster to gather the details and scope of your damages in order for the provider to make a determination of coverage.
If at any point you are not getting the attention or answers that you deem necessary to understand or reasonably address your question/claim, ask to speak to a supervisor.
When you file a claim, there is an expectation that the claim will be addressed in a reasonable amount of time by both parties.
Especially in water damage situations where the length of time is critical to minimizing damages, both the consumer and the insurance company have a responsibility to act quickly.
As a homeowner, do not delay in consulting your insurance company.
Work with your insurance provider to come to a reasonable resolution to the problems you face.
Don't be pressured by anyone in an insurance claim to make a decision that you do not understand or are uncomfortable with.