Chad T. Wilson – News
September 25, 2023
Updated: September 25, 2023 11:20 a.m.
People often put off filing their insurance claims for many reasons. If you own a home, live in an apartment, or operate a business, you may delay filing your claim or calling your insurance provider due to lack of time, work, or life in general.
So how long do you have to file your claim?
You could be let down if you were hoping for a straightforward response to the question of time restrictions. Unfortunately, solutions to time-related questions can be surprisingly difficult. State regulations may impact the amount of time you have to submit a claim, but your exact deadlines are sometimes determined more by the terms of your insurance policy than by state law. The majority of these questions have their direct answers in your policy. The length of time you have to act, however, may also depend on a variety of other factors.
The best course of action is to file your property damage claim as soon as possible.
You must “give prompt notice” to the insurance company following a loss, which is a requirement of nearly all homeowner’s insurance policies. This duty is frequently stated in the “Your Duties After Loss” clause. Acting fast gives your insurance provider time to look into the claim, identify the damages, and estimate the cost of repairs.
Your claim can be rejected if you don’t provide the insurance company with “prompt notice” of the loss.
The majority of insurance contracts provide that to be covered by the policy (for example, by promptly notifying a loss), you must adhere to all of its terms and conditions. Your claim can be rejected if you don’t provide “prompt notice” of the loss to the insurance company as required under the policy.
When property owners fail to provide “prompt notice” of a loss, the carrier can’t fully assess the cause of the damage or the required repairs because they can’t notice the damage when it’s fresh. Property insurance claims may be rejected, and your window of opportunity to get benefits may close if you disclose them too late.
How does a “prompt notice” work?
In general, prompt notice denotes a fair period of time after you become aware of the loss to report it. You are required by the policy as a property owner to disclose any losses that might be covered right away. You don’t have to wait until you can verify that the incident caused all of the damage or until you have a general contractor give you a price. Reporting the claim as soon as possible is the best line of action.
Get legal representation.
You must move quickly and learn about the deadlines that apply in your state if you are overwhelmed or having problems resolving your claim. Gathering all the data required to take action can take some time.
As you wait for the insurance provider to respond, you should also be prepared to limit further losses. You are responsible for doing everything you can to stop more losses, even though you should wait to make full repairs until everything has been properly documented.
Is your claim being denied or underpaid? Call Chad T. Wilson Law Firm, PLLC.
Speak with one of our attorney if you’re having trouble getting your claim processed or if the insurance company is attempting to pay less for the claim than is reasonable.
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