Insurance Claims in Cincinnati, OH

What Are Insurance Claims?

Filing an insurance claim in Cincinnati, Ohio 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 Cincinnati, Ohio 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.

Policy Genius ranked Ohio 13th in the country for average homeowners’ insurance losses from 2015 to 2019. Specifically, the losses in Ohio totaled approximately $1,275,407,000. Despite this, Ohio did not make it on any of the lists of top ten states for the most wildfire, lightning, or hurricane claims. However, the Ohio Committee for Severe Weather Awareness (OCSWA) reports that Ohio suffered 20 tornadoes in 2020 alone.

According to OCSWA, losses from these events fall under windstorm peril in most policies. Flooding can also result, so Ohio’s Department of Insurance recommends purchasing flood insurance from the National Flood Insurance Program (NFIP). In fact, there are more than 34,500 NFIP policies in force in Ohio. But, there are more than 278,000 structures located in Ohio flood plain areas.

How to File a Property Insurance Claim in Cincinnati, Ohio

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

Ohio Administrative Code governs the time Ohio gives insurers to pay or deny a claim in Cincinnati. For example, an insurer must acknowledge the receipt of a claim within 15 days of receiving such notification. Acknowledgement can include making payment or providing the necessary claims forms and instructions. Additionally, the insurer must accept or deny a claim within 21 days of receiving properly executed proof-of-loss forms. Once you agree to the settlement, payment should arrive within 10 days.

Keep in mind, the claims process is not always straightforward. In fact, there can be exceptional circumstances that legitimately extend the process. However, bad faith actions can include unnecessary delays or a lack of communication by the insurer. You should consult with an experienced Cincinnati insurance attorney if you suspect your insurer is acting in bad faith.

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?

According to the City of Cincinnati, you should call 911 if you are involved in an accident with injuries. If it is a minor fender bender, you can exchange information with the other driver(s). Then, you can go to any Cincinnati Police district office to make an accident report. However, you should do this within 24 hours of the accident. Furthermore, if the accident occurs on a public street, it is also recommended that the police respond to all accidents to evaluate reporting with the participants.

The City also states that your insurance company should obtain a copy of the auto accident report for you. If necessary, you can contact the Cincinnati Police Records Section and obtain a report within 7 to 10 days after the accident.

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 Cincinnati.

Health Insurance Claims

Cincinnati, Ohio 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 Cincinnati, Ohio?

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.

According to WLWT5, a Cincinnati woman in need of a kidney transplant was denied the life-saving procedure due to a lapse in insurance coverage. In fact, the woman had already been completely prepped for surgery, when she was told the surgery was canceled. Consequently, the woman was forced to go back on dialysis. The woman has since stated the process of getting a transplant through UC Health. Her insurance is now up to date, and she is on the hospital’s transplant list.

Work With an Experienced Local Insurance Lawyer in Cincinnati, Ohio.

If your health insurance provider refuses to honor a claim, seek out a qualified Cincinnati 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 Ohio 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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