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Written by Andy Gurczak

April 8, 2022

Can You Sue Your Property Insurance Company?

If a hurricane or storm severely damages your home, you will probably file an insurance claim with your homeowners’ insurance company. However, you may find that the insurance adjuster with whom you are dealing is not treating you fairly. Or the adjuster is claiming that the water damage to your home is not covered because it came from a flood. You may not be satisfied with the settlement offer by the insurance company. You now want to know: can you sue your property insurance company?

A Homeowners’ Insurance Policy is a Contract Between You and Your Insurance Company

Your policy is a contract between you and your insurance company. If the company attempts to deny a claim without a good reason, they are acting in bad faith. Acting in bad faith represents a breach of contract by the insurance company. Insurance companies deny claims all the time. But they can only do that if they have a valid reason. 

On the other hand, you may feel that the insurance company is taking too long to process your claim. For instance, they may have not sent an adjuster to inspect the damages for a few weeks. Or the insurance company representatives may not return phone calls or answer emails. 

Lastly, the insurance company may have made a settlement offer, which is very low. Moreover, they cannot explain to you why the offer is so low. 

Consequently, you are considering what options you have. 

If You Are Considering Suing Your Insurance Company, What Should You Do?

First, you need to document as much as you can regarding your claim. Keep pictures of damage to your home and an inventory of damaged personal property. Next, collect and organize all estimates for repairs to your damaged property. 

Also, note the date and time of any phone calls you had with insurance company representatives. Keep all correspondence and emails exchanged with them. 

Furthermore, if the company denied your claim, ask them to put in writing the reason for the denial.

Additionally, collect all receipts from any temporary repairs that had to be done. 

Lastly, if you had to move while contractors repaired your home, you may collect additional living expenses under your homeowners’ policy. Therefore, keep all receipts for hotels, meals, replacement clothing, etc. 

Read Your Insurance Policy

If you have received legal advice to sue your insurance company, read your insurance policy (or have your lawyer or a public adjuster read it). Your policy may require you to file an administrative review request with the insurance company before suing. 

If You Are Thinking of Suing Your Property Insurance Company, Call AllCity Adjusting First

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

At AllCity Adjusting we work to ensure you get 100% of your damage claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. 

Can You Sue Your Property Insurance Company?

You bet you can. 

But if you are considering suing your insurance company, call AllCity Adjusting before you hire a lawyer. We can review the status of your claim, to what insurance benefits you are entitled and see where the holdup is. 

Then we can contact the insurance adjuster to see what the problem is. We may save you attorneys’ fees by getting you a good settlement. 

However, if we can’t resolve the problem, we can assist you in filing a lawsuit against your homeowners’ insurance company. Indeed, we are experts in insurance laws. We can assist your experienced insurance attorney prepare your lawsuit. 

Additionally, we can act as your expert witness. 

Therefore, if you have received a low-ball offer from the insurance company, they are refusing to pay anything or you just want to talk to someone on your side, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.

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At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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