Insurance Claims in Philadelphia, PA

What Are Insurance Claims?

Filing an insurance claim in Philadelphia, Pennsylvania 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 Philadelphia, Pennsylvania 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.

Extreme weather systems can cause remarkable damage to property in Philadelphia. In July 2021, WPVI reported flash flooding on the northeast side of the city. Unfortunately, one homeowner who recently remodeled felt the brunt of this event. When a similar circumstance happens to you, it can take an attorney to get what you need from an insurance carrier.

How to File a Property Insurance Claim in Philadelphia, Pennsylvania

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

The Travelers Indemnity Company identifies the essentials of how a property claim proceeds. In some cases, your insurer may not send an adjuster to inspect the damage. Representatives can base their offers on the documentation you’ve provided and public reports.

While your home in Philadelphia remains in disrepair, most policies include some cost of living payments. Homeowners with this benefit can receive checks for everyday needs like food or housing. While this financial support is helpful, the ultimate concern is the final settlement offer. Or, if you believe you’ve suffered due to bad faith actions, you have a right to consider legal action.

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 suggested by Car and Driver, checking for injuries always comes first. If you or anyone else needs medical attention, call 911 immediately. Subsequently, motorists in Philadelphia can complete tasks like the following:

  • Exchange drivers’ license numbers and insurance information
  • Take pictures to document the damage to both vehicles
  • File a claim with our insurer promptly

If you believe that you were at fault, do not discuss that fact at the scene of the accident. Save that conversation for a consultation with an attorney. Anything that you say could work against you during civil proceedings.

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 Philadelphia.

Health Insurance Claims

Philadelphia, Pennsylvania 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 Philadelphia, Pennsylvania?

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 you receive a denial, WebMD recommends that you review your policy first. Compare what you discover there to the reasons given in the letter from your insurer. If you believe this issue can become resolved by an explanation from your doctor, contact them right away. When this step doesn’t reverse the decision, you can move on to an internal appeal and external review. Once these avenues are exhausted, patients in Philadelphia are often left with legal action as a next step.

Work with an Experienced Local Insurance Lawyer in Philadelphia, Pennsylvania.

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