Insurance Claims in Omaha, NE

What Are Insurance Claims?

Filing an insurance claim in Omaha, Nebraska 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 Omaha, Nebraska 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.

ValuePenguin states that damage to homes from wind and hail are responsible for a large portion of the property damage claims filed in Omaha. Because of the location in tornado alley, residents of Omaha should always take precautions against high winds and tornadoes. Be Ready Nebraska provides a preparation manual for how to prepare, and what to do when, not if, a tornado touches down.

How to File a Property Insurance Claim in Omaha, Nebraska

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 Omaha based insurance company is given 45 working days to settle a legitimate claim once you file. This is generally broken up into 3 fifteen day segments. First, 15 days to acknowledge the claim. Then, 15 days to approve or deny the claim. Finally, 15 days to pay the claim.

Omaha residents should also be aware of the laws in the state governing insurance companies. For instance, The Nebraska Health Care Prompt Payment Act specifically targets a health insurance company that is taking too long to pay a claim. This law requires a healthcare insurance provider to pay interest on a claim if they take too long in remanding payment. This interest begins to accrue if the payment is not made within 30 days of the claims decision.

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 University of Nebraska implores Omaha residents to never flee the scene of an auto accident. This is illegal, and will make the ramifications of the accident worse. If you have been in an accident, regardless of fault, you should pull your car to the side of the road. Check yourself and others for injuries, as this is the first priority. Afterwards you should begin gathering the information of all those involved, as well as asking for statements from anyone who saw the crash.

Once the Omaha Police Department arrives on the scene you’ll be asek to give a report. You can also file this report online, according to the Nebraska DOT. Make sure to take the badge number and name of the officer on the scene. Finally, you should file a report with your insurance company as soon as you can.

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 Omaha.

Health Insurance Claims

Omaha, Nebraska 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 Omaha, Nebraska?

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.

The Nebraska Health Insurance Guide breaks down the process of filing a health claim. Filing a health insurance claim can be stressful for Omaha residents, especially if you aren’t acquainted with the process. Many in fact are not used to this process, due to the fact that most allow their claims to be filed by the healthcare provider.

Once you file your claim you will generally receive an itemized listing of the amount owed and the services rendered. The Nebraska Department of Insurance recently reported that changes in the law now prevent mental health or substance addiction from being prevented from healthcare coverage.

Work with an Experienced Local Insurance Lawyer in Omaha, Nebraska.

If your health insurance provider refuses to honor a claim, seek out a qualified Omaha 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 Nebraska 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!