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How to Prepare a Complaint Against an Insurance Company

Insurance Complaints - Affiliated Adjustment Group - NYC

Has your insurance company denied your claim, offered a lowball settlement, or simply left you feeling frustrated and unheard? You're not alone. Dealing with property damage or a commercial loss can be stressful enough, but navigating a complicated residential or commercial claims process with your insurance company can add another layer of headache.

At Affiliated Adjustment Group, we understand your frustration. That's why we've put together a guide to help you prepare a complaint against your insurance company and fight for the fair compensation you deserve.

Before You Begin: Gather Your Documentation

A strong complaint starts with a strong foundation. Before reaching out, gather all documents related to your insurance claim. This includes:

  • Your insurance policy: This is your contract with the company, outlining your coverage and terms.

  • Claim paperwork: Keep copies of any forms you've submitted, including the initial claim form, any communications with adjusters, and estimates for repairs or replacements.

  • Damage documentation: Photos and videos of the property damage can be powerful evidence.


Ready to Take Action? Here are Your Options

Here are some steps you can follow to create a complaint against your insurance company:

Contact Your Insurance Agent

Your agent may be a valuable advocate. They have a vested interest in resolving your issue and maintaining a positive client relationship.

Write to an Insurance Executive

If your agent can't help, consider escalating your complaint to a higher level within the company.

Seek Help from an Ombudsman

Some state departments of insurance have an ombudsman who can mediate disputes between policyholders and insurance companies.

File a Complaint with Your State Department of Insurance

Every state regulates insurance companies. Their Department of Insurance can investigate your complaint and ensure the company is following state laws.

Consider Arbitration

If your policy includes an arbitration clause, this process can offer a faster and potentially less expensive way to resolve your dispute.

Get a Public Adjuster

A public adjuster works for you, not the insurance company. They can advocate for a fair settlement and guide you through the complaint process.

Hire a Lawyer

For complex insurance claims or large settlements, consulting with a lawyer experienced in insurance issues can be wise.


Tips for a Strong Complaint

Let's take a look at some of the best practices you should follow to draft a strong complain:

  • Clearly Outline the Problem: Explain the issue you're facing, referencing specific policy clauses and communication details.

  • State Your Desired Outcome: Do you want a re-evaluation of your claim, a higher settlement, or improved communication?

  • Maintain a Professional Tone: It's understandable to be frustrated, but being respectful strengthens your case.

  • Keep Copies: Maintain copies of your complaint and any responses you receive.

  • Be Patient: The complaint process can take time. Follow up if you don't hear back within a reasonable timeframe.


Insurance Adjusting In NYC

If navigating the complaints process feels overwhelming, consider partnering with a public insurance adjuster. Affiliated Adjustment Group has a team of experienced professionals who can help you:

  • Communicate Effectively with Your Insurance Company

  • Gather and Organize Documentation

  • Negotiate a Fair Settlement

  • Prepare a Strong Complaint if Necessary

We're here to help you get fair compensation and insurance loss recovery you deserve!


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