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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Best way to beat the insurance company is to hire AllCity Adjusting

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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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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