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Posted by tonyb on August 04, 2002 at 11:24:34:
In Reply to: Re: Insurance Adjuster Standards for Hail Damage posted by d.pollard on August 04, 2002 at 09:19:46:
I agree that it does not add up. However, first things first. Was a formal claim filed in both the 1999 and 2001 losses? When a formal claim is filed, the insurance company has a specified time in which to respond. If there is denial of the formal claim, then a specific reason and supporting documentation must be given. The business of proving the claim still rests with the policyholder so it is important to have expert statements to support the policyholder claim. However, when the claim is denied it is the insurance company's responsibility to support its position. Because the dispute is over the time of loss rather than the amount of loss (Appraisal is for amount of loss disputes only) the legal option remains to resolve an impasse. An attorney can best weigh the chances of winning in court.
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