Insurance Claims in Wilmington, DE

What Are Insurance Claims?

Filing an insurance claim in Wilmington, Delaware 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 Wilmington, Delaware 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.

The Delaware Geological Survey states that residents of Wilmington can be affected by Nor’easters, powerful storms that produce gale force winds. Wind and hail damage are very common claims for those living in Wilmington. In addition, damage caused by debris is also a very common claim. The Delaware Department of Insurance provides online assistance to aid Wilmington residents that are filing a property damage claim.

How to File a Property Insurance Claim in Wilmington, Delaware

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 states that any Wilmington based insurance company is given a total of 45 days to approve or deny a property damage claim. There is a period of 15 days when the company must acknowledge receipt of the claim, and provide the paperwork to move the process forward. Then there is a timeframe of 30 days in which the company must approve or deny the claim. However, there is no set time in which the company must pay out a legitimate claim. They merely have to pay promptly.

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?

Delaware Statutes criminalize the behavior of any Wilmington resident that flees the scene of an accident if there has been property damage, or serious injury. If you are involved in an auto accident, regardless of fault, you should pull your car to the side of the road. Check yourself and others for injuries, and then exchange insurance information with everyone involved.

A member of the Wilmington Police Department should arrive on the scene shortly and take statements from everyone. Be sure to give your statement, but you should also record the name and badge number of the officer with whom you speak. After you give your statement, contact your insurance agent so he or she can begin work to file your claim.

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 Wilmington.

Health Insurance Claims

Wilmington, Delaware 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 Wilmington, Delaware?

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 Delaware Healthcare Claims Database compiles claims for Wilmington residents using Medicare, Medicaid, and the 7 largest insurers in the state. While many are accustomed to having the medical provider file a claim on their behalf, there are times when you may have to file on your own behalf. This can happen when you receive treatment or services outside your network of care. If you have to file on your own behalf you should be prepared to receive an itemized bill, detailing the treatment received, and the sum total owed.

Work with an Experienced Local Insurance Lawyer in Wilmington, Delaware.

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