Damaged home? How to get an insurer to pay up

Tornadoes. Hurricanes. Wildfires. Over the past decade, insurance companies have paid more than $450 billion in property damages to policyholders.

And now some insurers are looking for ways to limit their losses by denying claims and sticking homeowners with the bill, said David Barrack, executive director at National Association of Public Insurance Adjusters. “They’ve gone from ‘good hands’ to boxing gloves,” he said.

 Some insurers may write policies with exclusions that absolve them from paying for certain damages or use legal jargon that’s difficult to understand, said Chris Maranges, a Miami-based attorney with Higer Lichter & Givner, who represents homeowners in property insurance litigation.
The insurance industry refutes such claims. “Insurers strive to pay all legitimate claims as rapidly as possible,” said Robert Hartwig, president of the Insurance Information Institute, an industry trade group. He also noted that policyholders are protected by laws in all 50 states.
The best step you can take is to hire a General Contractor who is also a licensed insurance adjuster. Colyer Services is armed and ready to do battle directly with your insurance company to provide immediate service and rapid payout of your claim.
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