How to Get Help with a Home Insurance Claim: Resources and Who to Call

Many homeowners are surprised they can get help with an insurance claim. Yes, there are plenty of resources and organizations to call for insurance claim help — including attorneys, government organizations, non-profit organizations, and public adjusters, among others.

Today, we’re highlighting some of the resources available to help you with an insurance claim.

Your Insurance Company

You signed a legal contract with your insurance company. Because of that contract, your insurer must compensate you for certain damage to your home.

Your insurance company might be honest. However, your insurance company is still a for-profit corporation. Their goal is to make as much money as possible without breaking the law (like the law within your insurance contract).

Contact your insurance company for basic help with your homeowners insurance claim. You can ask your insurer questions about your claim, decide whether or not it’s worth it to make a claim, and get an idea of how much compensation you could receive for your claim.

Hire a Public Adjuster

Your insurance company has employees called adjusters. Your insurance company’s adjusters assess your claim, then approve or deny the claim based on their assessment. An adjuster’s goal is to cover your claim while paying out as little as possible.

A public adjuster, meanwhile, works for you — not the insurance company. A public adjuster’s goal is to evaluate your claim, then negotiate with your insurance company for maximum compensation. A good public adjuster can double or even triple your insurance payout.

Many homeowners hire a public adjuster after a claim is denied. Others hire a public adjuster immediately after filing a claim. If you’re experiencing a significant insurance dispute (say, an amount greater than $10,000), then hiring a public adjuster may be worth it.

Visit ClaimsMate to find a public adjuster in your area.

Contact your State’s Department of Insurance

Each state has its own Department of Insurance. This governmental organization is responsible for overseeing the insurance industry. They punish bad insurance companies. They maintain insurance laws to protect consumers.

If you have trouble with an insurance claim, consider contacting your state’s Department of Insurance. Each state has a complaints line or customer service line through which you can contact professional help.
If you need help with an insurance claim, contact one of the resources above to get the assistance you need.