Insurance Claims in New Hampshire

What Are Insurance Claims?

Filing an insurance claim in New Hampshire can be a stressful process. Every policy is different, and insurance companies may not pay you what you deserve. In many cases, hiring an insurance claim lawyer 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 New Hampshire property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your New Hampshire 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. 

The Insurance Information Institute states that from 2015 to 2019, New Hampshire residents with homeowner’s insurance only filed a claim at a rate of 5.7%. The most common claim filed is damage from wind and hail.  This was followed by damage from water or flooding, and damage caused to the roof or structure by freezing temperatures. There are also claims filed due to fire damage or theft, as outlined by the Laconia Daily Sun.

How to File a Property Insurance Claim in New Hampshire

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

WalletHub confirms that an insurer must pay a claim, at least partially, within 35 working days of the claim being recognized as legitimate. This does not mean that your claim will be paid in full within 5 days, although there is that possibility. But rather that an insurance provider is required to operate in good faith and begin the process of  paying your claim.

The New Hampshire Department of Insurance provides a broad overview of these processes, as well as the laws that govern insurance companies for the state. If you believe a company is operating in bad faith, purposefully stalling payments or refusing to pay at all, you should file a complaint with the NHDI. You should also seek the counsel of an experienced attorney in New Hampshire.

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?

As affirmed by the New Hampshire Department of Motor Vehicles, it is important to remember that residents of New Hampshire are not required to have auto insurance. If you are involved in an auto accident, you should first make sure there are no injuries to yourself, or others. After this, you should get as much information as possible; names and license plates of anyone else involved, as well as insurance information if they have it. You’ll be required to fill out a police report, and you should make sure to get the name and badge number of the officer that arrives on the scene. This will be important when you file an insurance claim later on.

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 New Hampshire.

Health Insurance Claims

New Hampshire 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 be 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 New Hampshire?

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.

Filing a health insurance claim can be a stressful process, especially for those who are not familiar. You should expect your health insurance provider to scrutinize the matter, and they may even reject your claim. If that happens you should begin your appeals process immediately. The State of New Hampshire gives you 180 days to file your appeal in order to have your claim paid. You might want to consider enlisting the services of an experienced attorney in New Hampshire if your appeal is denied.

Work with an Experienced Local Insurance Lawyer in New Hampshire

If your health insurance provider refuses to honor a claim, seek out a qualified New Hampshire 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 New Hampshire 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!