Right to Representation

You have the absolute right to hire your own licensed professional to represent your interests. This includes public adjusters, attorneys, or other claim specialists.

Insurance companies cannot penalize you for seeking representation. Your claim cannot be denied or delayed simply because you hired help.

Right to Your Policy

You have the right to receive and understand your insurance policy, including all coverage terms, limits, exclusions, and conditions.

Insurance companies must provide clear explanations of policy terms. If something is unclear, you have the right to ask questions and receive answers.

Right to Fair Claim Handling

Insurance companies are legally required to handle claims in good faith. This means prompt investigation, fair evaluation, and timely payment.

Unreasonable delays, lowball offers, or denying valid claims violates your rights and may constitute bad faith.

Right to Appeal

If your claim is denied or you receive an inadequate settlement offer, you have the right to challenge the decision.

This includes internal appeals with the insurance company, filing complaints with state regulators, or pursuing legal action if necessary.

Right to Privacy

Your personal and claim information is protected. Insurance companies must keep your information confidential and use it only for legitimate claim purposes.

You have the right to know what information is being collected and how it's being used.

Unreasonable Delays

Taking months to investigate or respond to your claim without valid reason.

Lowball Offers

Settlement offers significantly below actual repair costs or policy limits.

Unnecessary Documentation

Asking for irrelevant documents to delay or deny your claim.

Misrepresenting Policy

Telling you something isn't covered when it actually is.

No Investigation

Rejecting your claim without properly investigating the loss.

Discouraging Help

Telling you that hiring help will delay or hurt your claim.