Know Your Rights: What Insurance Companies Don’t Want You To Know
October • Homeowner Rights & Fair Claims Handling
Know Your Rights: What Insurance Companies Don’t Want You to Know
When a disaster strikes your home, filing an insurance claim should be straightforward — but too often, homeowners are left feeling ignored, underpaid, or misled. What most people don’t realize is that you have rights, and insurance companies have legal obligations to handle your claim fairly, promptly, and transparently. At Disaster Pro, we believe knowledge is power — and understanding your rights is the first step toward protecting your home and family.
The Homeowner’s Right to a Fair Claim
Every state has laws that govern how insurance companies must handle property damage claims. These are often called Fair Claims Handling Regulations or Unfair Claims Practices Acts.
In simple terms, your insurance company is required to:
• Acknowledge and respond to your claim within a reasonable timeframe.
• Conduct a prompt, thorough, and unbiased investigation.
• Provide clear explanations for any claim delays, denials, or partial payments.
• Base estimates on accurate, verifiable data — not guesswork.
• Pay the claim fairly once liability is reasonably established.
What Insurance Companies Often Don’t Tell You
• You don’t have to accept the first offer — initial estimates often miss hidden or secondary damage.
• You have the right to independent representation — a consultant can review your policy, estimates and repair scopes on your behalf.
• You can request reinspection or a supplemental payment when new or previously overlooked
damage is identified.
• They must explain denials or reductions in writing and cite specific policy language.
• If a recommended contractor’s work fails inspection or causes additional loss, you may be entitled to reimbursement or reallocation of funds.
Timelines That Matter
Each state sets strict timelines for insurers to act. While specifics vary, typical expectations include:
• Acknowledging a submitted claim within roughly 15 days.
• Beginning inspections and investigations promptly.
• Issuing payment for undisputed amounts within about 30–40 days after liability is accepted.
If deadlines are ignored or extended without valid explanation, it may constitute an unfair claims practice. This is when having a knowledgeable advocate can make all the difference.
How Disaster Pro Holds Insurers Accountable
• Claims review & documentation — we verify that all covered damage is included and properly scoped.
• Negotiation & communication — we handle discussions with insurers and contractors to protect your interests.
• Regulation compliance — we ensure handling aligns with state Fair Claims laws.
• Homeowner education — we explain every step clearly so you can make confident decisions.
Empower Yourself — You Have Rights. If you’re feeling overwhelmed or uncertain about
your claim, you don’t have to go through it alone. Schedule your Phase 1 Claim Review
today. Our team will analyze your documentation, review your insurer’s estimate, and guide
you on the next steps to secure the fair outcome you deserve.
Visit: www.disaster-pro.com • Phone: (800) 401-0115 • Email: info@disaster-pro.com
