Insurance Claims in Phoenix, AZ

What Are Insurance Claims?

Filing an insurance claim in Phoenix, Arizona 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 Phoenix, Arizona 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.

High winds regularly cause damage to homes in the Phoenix area. In July 2021, ABC15 Arizona reported that a storm system tore the roof off a house in Queen Creek. According to the owner, the event sounded like bombs exploding. If you’ve been through a similar experience, you may need legal help to get your insurer to pay appropriately.

How to File a Property Insurance Claim in Phoenix, Arizona

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

After scheduling a day to meet with your adjuster, take some time to read your homeowner’s policy. Having an essential understanding of what should have coverage can be helpful. Additionally, gather as much detail as you can about the state of your home before and after the claim. Being able to demonstrate the difference to your insurer or in court could be pivotal.

As documented by Experian, most policies include payments for living expenses during repairs. For example, your insurer can pay for food while your kitchen goes through construction. The difficult part of the process comes with the final settlement offer. There are multiple ways the amount presented can fall short of your expectations. When negotiations and appeals fail, you may need an attorney from Phoenix to protect your interests.

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 Arizona Department of Transportation publishes its Accident Reporting Procedure on its website. Reading through these recommendations before an accident occurs can help avoid further complications. Generally, the state government asks that motorists in Phoenix do the following:

  • If possible, move your vehicle to the side of the road
  • Secure information from the other driver, such as their driver’s license number
  • Submit all details you have to share with your insurance carrier

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 Phoenix.

Health Insurance Claims

Phoenix, Arizona 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 Phoenix, Arizona?

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.

Receiving a denial for your treatment in Arizona can leave you wondering what to do next. Thankfully, the Arizona Department of Insurance and Financial Institutions offers some advice. First, your insurance carrier has an obligation to have an appeals process. Emergency situations can go through an expedited process. But, if an external review and your attempts to resolve the dispute, you may need an attorney.

Work with an Experienced Local Insurance Lawyer in Phoenix, Arizona.

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