I have a house fire and an unplanned wreak be not found. Insurance co. hasn't remunerated. What should I do?

Answers: Check with your agent or the adjuster handling the claim. Find out if here is any additional information needed for the claim. They may be waiting on info from you to pay the claim. Source(s): agent
Start next to the adjuster. Has he obtained a police report (you need one too). If it looks similar to a suspicious fire, has he called a Cause & Origin Specialist (they digit out what caused the fire). This is usually done in the first week of the claim. If the C&O specialist go out, what were his findings?

If the adjuster didn't get a C&O, doesn't plan to, ask him what the hold up is. Did you own contents coverage? If you did, have they sent you an advance for clothes, food, etc? Was it a total loss.

Next, if you don't hear from the adjuster, ring the insurance company or agent and tell them what is going on. I hate to right to be heard it, but the squeaky wheel gets the grease. This should get his supervisor on him/her. Has a reservation of rights letter or non-waiver be signed (they state the claim is under investigation and quote policy for the reason why, i.e. delayed reporting, non-covered issue, etc.).

If none of this have been done start demanding answers, EVERYDAY. As an adjuster, I have a responsibilty to resolve your claim within a fair and timely manner. This is call Fair Claims Practices. If an adjuster fails to answer your questions, hail as you or offer any reason on why this is not man resolved, a Bad Faith claim can be made against the insurance company. NO ADJUSTER WANTS THAT. Kiss of death. Bring up to the adjuster fair claims practices. He will attain the idea without you have to be threatening.

Of course, this is all based on an up and up claim, not deeply of unusual claims in the past, not suspious loss, i.e. adjectives the furniture and family dog are not in the house (indications of arson) . But most importantly, read your policy. If define your rights as an insured and obligations of both the insurance company and the insured. This will provide you with experience and questions to ask.

Good luck.
Ask them why they haven't paid. Contact your fire department, request a copy of the fire marshall's report. See what it says.

Ask your agent to attain involved. They don't need to find an "accidental" cause, but they DO necessitate to let you know in writing, what the status of the claim is. Source(s): agent, 21+ years
Contact the department of insurance and product a complaint if its been a while

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