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When appealing an insurance claim in Wilmington, you should expect to be met with aggressive tactics by an insurance company to avoid paying the losses rightfully owed to you. Without the help of an attorney with experience handling appeals in the past, you may not know what to do to get the result you deserve.

To learn more about the appeals process and how to get started, feel free to reach out to a skilled attorney by scheduling a consultation today.

Who Has the Right to Appeal an Insurance Claim?

In most cases, any homeowner who has a homeowner’s insurance policy where their claim has been denied or where there is disagreement as to how much the claim is worth has the right under their policy to appeal that decision. However, not all policies are the same, making it important for appellants to make sure that they are paying attention to any deadlines under their policy regarding when they can file an appeal.

What are the Benefits of Appealing an Insurance Claim Denial?

The benefit of filing an insurance appeal is that the insurance company would then reconsider whether they will pay the claim out. Many people believe that once their insurance claim has been denied, that is the end of the road. They are not going to get any funds to repair their home, they are going to be coming out pocket, or those repairs will just not be made. However, this is not the case.

By filing an appeal, individuals would be making the insurance company reevaluate the loss and at the causation of damage. With the help of a lawyer, insurance companies, after filing an appeal, will be forced to pay some of the compensation that are due under the policy.

Time-Sensitive are Insurance Claim Appeals?

Insurance claim appeals can be extremely time-sensitive, depending on the policy. Sometimes individuals must file their claim within 30 days after a claim denial or a claim decision. Other individuals may have 60 days to file an appeal. It is important to keep in mind that some insurance companies will try to argue if they missed that deadline that they are not entitled to filing an appeal. As a result, people should make sure that they understand their policy and their deadlines.

Even if the deadline is missed, not all hope is lost with the help of a lawyer. Insurance companies have waived that appeals deadline by their actions or their inactions and a lawyer can still have insurance companies look at these claims again and reevaluate by filing an appeal.

Who is Involved in the Appeal Process of an Insurance Claim in Wilmington?

In the appeal process of an insurance claim, the parties involved are going to be the homeowner or the insured, sometimes a lawyer that represents the homeowner or insured, and then a representative of the insurance company. The representative of the insurance company is usually the adjuster who has been working on their file and claim.

However, if the insurance company thinks that they have been somehow acting wrongfully in denying their claim, undervaluing their claim, handling their current claim, or treating them as their client, they may hand the file to a supervisor of the adjuster to participate in the appeals process.

Why is it Important to Hire an Attorney?

A person may consider hiring legal counsel when appealing an insurance claim in Wilmington for several reasons. One reason is because, unfortunately, insurance companies do not take an appeal seriously when there is not a lawyer involved. This is because they think that if they go through the motions of participating in the appeal process, and then they just render the same decision that they already made, that they are not going to pay or that they are going to undervalue the claim that the homeowner or the insured will just go away disheartened.

When there is a lawyer involved, the action insurance company knows that the lawyer has the ability to file a lawsuit to force them to pay the amounts that they are due. They often will treat appeals much more seriously and are much more likely to increase their payments or to make a payment instead of denying the claim when a lawyer is involved.