Claims Adjusting and Coverage Disputes

Property Insurance should be straightforward: write a coverage limit, pay the premium and get reimbursed for your expenses in the event of a loss. In fact, Property Coverage Forms are complex documents with many pitfalls, limitations and exclusions. Inadequately written protection becomes painfully obvious at the time a claim is presented for payment.

The imposition of misunderstood Co-Insurance agreements, flood and earthquake exclusions and coverage limitations can cost the policyholder big dollars when the company presents its claim settlement offer.

Sapourn Insurance Consultants can help you from the beginning of the process by analyzing your coverage and preparing a Proof of Loss that maximizes your chances of the most favorable insurance settlement. We negotiate directly with company adjusters on your behalf, armed with our knowledge of policy provisions and state insurance law. If a company deals unfairly, we are prepared to fight for your policyholder rights through arbitration and/or litigation.

And in the event an insurance agent is deemed to have breached his duty of care to you, we can assist your legal counsel as your insurance expert if an Agent’s Errors and Omissions claim is appropriate.