After a tornado causes damage to your property, it’s frustrating to discover that your insurance company underpaid your claim. You may feel overwhelmed, but understanding the steps you can take can help resolve the issue.
Review the insurance company’s offer
The first step is to carefully review the settlement offer from your insurance company. Look at the details of the damage they’ve acknowledged and the compensation they’ve offered. Compare it with your own assessment of the damage. If any damage is missing or the settlement amount seems too low, this could be a sign that your claim was underpaid.
Gather evidence of the damage
Collect evidence to support your case. Take clear photos and videos of the damage, including any areas that were not properly assessed by the insurance adjuster. Get estimates from contractors or repair professionals to better understand the true cost of repairs. This evidence will strengthen your case if you need to dispute the underpayment.
Contact your insurance adjuster
Once you have gathered your evidence, reach out to your insurance adjuster. Politely ask for clarification on the discrepancies between your assessment and the payout. It’s possible that the adjuster missed something or that a mistake was made in the initial evaluation. Make sure to keep a record of all communications.
File an appeal or seek legal advice
If your claim is still underpaid after contacting the insurance company, you can file an appeal with your insurer. If this doesn’t resolve the issue, consider speaking with an attorney who specializes in insurance claims. A lawyer can help ensure that your claim is fairly evaluated and guide you through the appeals process.
Taking these steps can help ensure that your tornado damage claim is properly addressed and that you receive the compensation you deserve.