Insurance Claims in Charleston, WV

What Are Insurance Claims?

Filing an insurance claim in Charleston, West Virginia can be a stressful process. Every policy is different, and insurance companies may not pay you what you deserve. In some cases, hiring an insurance claim attorney is necessary. This page breaks down the nuances of  different types of insurance claims.

What Is a Property Insurance Claim?

A homeowner’s insurance policy is an agreement to protect the home from damage under specific occurrences. When you as a policyholder suffer a loss, you should find a dedicated Charleston, West Virginia property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your property.

If the insurer denies coverage or delays, policyholders should consult a property insurance attorney about a bad faith claim. If your claim goes to court and you win, you can often recover your court costs, attorney fees, and coverage benefits. There is also the possibility of recovering more money depending on the state laws under which you file your claim.

What Types Of Damage Claims Apply to Property Insurance?

Specific geographic regions impact the design of insurance policies. For example, Florida property insurance policies have more provisions for hurricanes versus earthquakes.

Winter storms contributed significantly to property damage in 2021 in West Virginia. The Charleston Gazette-Mail even reported that the government declared five counties a disaster area. The estimated costs at the time had expectations of reaching $11 million. When you file a claim during a chaotic time like this one, you may need legal counsel to protect your interests.

How to File a Property Insurance Claim in Charleston, West Virginia

After you suffer a loss, you must contact your insurer as soon as possible. Taking this step begins the insurance claim process and gets things moving along. You need to notify your insurance company in writing or over the phone. From there, your insurer appoints a claim representative.

What to Expect Afterwards

After meeting with an adjuster, the Insurance Information Institute notes that you may receive initial payments. Generally, this money is far from the final check you will receive during the claim process. If your home is a total loss, there can be allocations for your living expenses in Charleston.

The final settlement offer can be where the legal problems start in earnest. If you’re going to fight for the value of your home, internal appeals to a carrier can feel like a dead end. The expectation under West Virginia law is that claims resolve within 30 days of receiving an electronic submission. If you think that the insurance company is not operating in good faith, you may not have much time to schedule a consultation.

What Is an Auto Insurance Claim?

Auto insurance claims involve requesting compensation from an auto insurer after an accident. Car accidents are incredibly stressful, especially if there are uncooperative responsible parties. However, your insurer’s job is to work on your behalf to secure compensation for repairs, injuries and other expenses.

What Do You Do After a Car Accident?

Insurance companies like USAA offer checklists for what to do after becoming involved in an auto accident. Generally, there are three steps to take during this stressful time. Ensure everyone’s safety, exchange information with the other driver, and document the scene. Take plenty of pictures and take note of the location for your insurance and consultation with an attorney.

You may not realize that you suffered an injury in the immediate aftermath. For your health and legal documentation purposes, consider scheduling a doctor’s appointment. Once you feel assured that you have the help you need, start a claim with your insurer. And if you have worries about your liability, schedule a consultation with an attorney as soon as possible.

Auto Claims Adjuster

Your auto insurance company will assign a claims adjuster to your claim report. Your adjuster acts as your representation in any mediation between you and all other involved parties. This insurance representative bears responsibility for investigating the claim and seeing that you receive compensation for any repairs or injuries.

Whether there are repair claims, personal injury claims, or you are dealing with someone who does not have insurance, your auto insurance adjuster should see you through the process. Your claims adjuster may recommend a garage to handle your vehicle repairs. They may also make arrangements for a rental vehicle if required. The most important thing to note is that your auto claim adjuster is your primary point of contact regarding the status of your claim in Charleston.

Health Insurance Claims

Charleston, West Virginia policyholders file health insurance claims when they seek reimbursement for medical services or treatments. When you obtain a medical service from a provider, your health insurance carrier should become notified directly. If there are any discrepancies in your claim, consider hiring a health insurance claim specialist attorney.

How Do You File a Health Claim in Charleston, West Virginia?

There are two ways to file a health insurance claim on your behalf. The first is the medical facility notifies your insurer for you. You may be able to walk out of the facility without spending anything, but that depends on your policy. The other way is to file a health insurance claim yourself. Taking this route can occur when a health provider you use is not in your provider network. The facility may still file the claim on your behalf, but you may need to file it yourself.

If your claim is denied, you can start the internal appeals process to try and reverse the decision. Another option for Charleston residents is to request an external review, especially if the denials continue. Should you start considering a lawsuit, your case will often begin by filing a complaint. The Office of the Insurance Commissioner accepts the necessary form online or by mail.

Work with an Experienced Local Insurance Lawyer in Charleston, West Virginia.

If your health insurance provider refuses to honor a claim, seek out a qualified Charleston insurance claim attorney’s help. An insurance claim attorney can help if you have been improperly denied coverage or sent a bill for a service you never received. We can even help you connect with an attorney across West Virginia state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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