How insurance adjusters review your claim
Insurance adjusters are responsible for evaluating your hail damage insurance claim as soon as you reach out to notify them of a potential claim. Given that many people are experiencing hail damage for the first time or may have recently acquired a new insurance policy, you may not understand the ways that the insurance adjuster will handle this situation.
He or she is responsible for acting in good faith and conducting a thorough evaluation about the potential loss. When hail damage causes debris to end up on your roof, you may discover that the entire integrity of your roof has been compromised.
The insurance company will frequently send out an adjuster to your property in order to take pictures or videos of the damage. You may also collect this evidence on your own and submit it via email to your insurance company. After you have initiated a hail damage claim, your insurance adjuster should begin processing your claim as quickly as possible as well as to give you a timeline for repairs.
The purpose of this initial visit is for the adjuster in the field to collect the evidence to support in-office review of your claim. There can sometimes be a disconnect regarding the understanding of your claim if the adjuster in the field does not take enough pictures or pictures that fully capture the damage. If the adjuster in the field purposefully tried to minimize your damage, this may become the basis of a bad faith insurance claim in Texas.
Once the claim is back in the insurance company’s office, it’s their responsibility to conduct a thorough investigation. If they avoid doing so, this is another indication that you could be a victim of bad faith.
Where there are common breakdowns in the process that can lead to a denied claim or to a bad faith insurance lawsuit following, happens in situations in which the insurance company does not keep you informed about the case or makes an unreasonable or unfair decision based on improper data collection. For example, if the insurance adjuster never took pictures at the scene of the damage to begin with, he or she may have submitted inaccurate information to the insurance company thus leading to a denial.
If the insurance claims adjuster refuses to take your phone calls and give you updates on the case, you may also have grounds for a bad faith insurance claim, particularly if the decision led to an immediate denial without explanation to you. There are many different situations in which you may be eligible to file a bad faith insurance claim, but all of these can be frustrating from the perspective of someone who has already suffered damages associated with hail. You count on your insurance company to be there for you, but this is not always the case. Thankfully, you may have legal recourse to pursue a bad faith insurance claim by consulting with an attorney as soon as possible.