Insurance Claims in Ohio

What Are Insurance Claims?

Filing an insurance claim in Ohio 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 Ohio property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your Ohio 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 Ohio Committee for Severe Weather Awareness notes that the state suffered twenty tornadoes in 2020 alone. According to their website, losses from these events fall under windstorm peril in most policies. But, unless you’ve updated your coverage, you may only receive the depreciated value for your property. Furthermore, it can be difficult to obtain the value of your home under normal circumstances. If you have to protect this significant investment, you may need an attorney to rebuild or repair your life.

How to File a Property Insurance Claim in 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

WalletHub advises that insurance companies have 46 days to resolve claims. At the start, they need to recognize this action by a policyholder within 15 days. Subsequently, they can take up to three weeks to make a decision. Assuming that you agree to the settlement, payment should arrive within 10 days.

Still, it’s critical to note that the timeline in the above paragraph is a general guideline. There can be justifications for an extended process when there are significant complexities. However, unnecessary delays or lack of communication can represent bad faith actions by the insurer. If you believe that may be the case for you, schedule a consultation with an attorney.

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?

The first steps recommended by Allstate include getting to safety and checking for injuries. Generally, if there appears to be less than $400 in damage, you do not have to call the police. But, this threshold is a low bar to cross for most accidents. You should likely call law enforcement regardless of the severity for civil and criminal court purposes.

The subsequent steps involve exchanging information with other parties in the accident and documenting the incident. Take pictures, talk to witnesses, and have as much to share as possible with others. No matter who appears to be at fault, having more to give to insurers or the court system can be useful. Most crucially, never admit any level of fault to improve the options a lawyer has while defending you.

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 Ohio.

Health Insurance Claims

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 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 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.

If your insurance carrier denies a prescribed treatment, the stress can easily feel overwhelming. According to a story by, it’s always worth your time to go through the appeals process. Roughly 40% of people who take this step can reverse the initial decision in the first attempt. For others, a legal battle may be the only way to get a company to pay for the healthcare they need.

Work with an Experienced Local Insurance Lawyer in Ohio

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