Insurance Claims in Reno, NV

What Are Insurance Claims?

Filing an insurance claim in Reno, Nevada 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 Reno, Nevada 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.

If you live in Reno, you should be aware of the risk of wildfire damage to your home. In fact, States at Risk reports that approximately 46% of Nevada’s population lives in areas at elevated risk of wildfire. Nevada’s Joint Information Center reports that homeowners also face property damage from flash floods and earthquakes. Keep in mind, standard policies typically cover wildfires, but not flooding. Fortunately, Reno property owners can purchase coverage through the National Flood Insurance Program.

How to File a Property Insurance Claim in Reno, Nevada

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

When your Reno home is damaged, the process of obtaining compensation can be stressful. Fortunately, Nevada law regulates how much time insurers have to process homeowner claims. For instance, your insurer must affirm or deny your claim in writing within 30 days of receiving a completed proof-of-loss. In addition, the insurer must inform you of the specific policy provision that led to the determination. Once the claim is approved and you approve the offer, the insurer must pay within 30 days. Keep in mind, the insurer is liable for interest until the claim is fully paid.

Nevada allows an insurer to take extra time to complete an investigation before making an approval decision. If this is necessary, the insurer must notify you within 30 working days from receipt of the proof-of-loss. Remember, a claim may require more than one visit from an adjuster. Consequently, it is advisable to provide as much detail of the damage, including photos and video.

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?

Reno drivers should always stay at the scene of car accidents and call 911 for medical assistance. In fact, under Nevada statute, you must stop if the collision involves injury, death, or property damage. Moreover, you should notify the Reno Police Department or Nevada Highway Patrol immediately. Keep in mind, if there are no injuries, and less than $750 in damage, an officer may not attend the accident site. If this happens, you are responsible for filing Form SR-1 with the Nevada DMV within 10 days of the crash.

Since Nevada is an at-fault state, it is very important to gather evidence at the scene of the accident to help establish fault. This is because the at-fault driver’s insurance pays to cover the other driver’s damages. Regardless of fault, you should contact your own insurance company right away. In fact, some insurance policies require immediate notification of accidents.

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 Reno.

Health Insurance Claims

Reno, Nevada 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 Reno, Nevada?

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 Nevada Division of Insurance reports that insurance companies are restricting provider networks more often, with disastrous consequences. A Reno couple’s daughter was transported by air ambulance with suspected internal bleeding. The air ambulance they used was their only choice, but it was out of network. Consequently, the family was stuck with a $38,000 bill. When their internal appeal was denied, the couple submitted an appeal to the Nevada Division of Insurance. Thankfully, that appeal was heard, and the family received a much smaller bill.

Work with an Experienced Local Insurance Lawyer in Reno, Nevada.

If your health insurance provider refuses to honor a claim, seek out a qualified Reno 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 Nevada 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!

How It All Works

Call us or answer the questions on this site. Your category, location, and additional information will help us connect you to a legal professional and we’ll send you the results instantly.

Which Areas of Law?

We have attorneys in over 20 legal categories to choose from.

How Much Does This Cost?

We don’t charge you to be connected. Some legal categories require upfront fees while others do not. The legal professional will determine this with you before you commit to anything.