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How to Dispute an Insurance Adjustment


When something drastic happens, many people need to take extra steps to rebuild your home, recover property, or pay medical bill collectors. Unfortunately, most people believe they have no backup plan if their insurance company refuses their claim entirely or provides a much lower amount. 

If you disagree with the insurance company, there are steps your legal team can take to make sure you get the recovery funds you need when you need them. Read on to learn more about your next steps to dispute an insurance adjustment.

Working Through the Appraisal Process

If your insurance company has given you what you believe to be an unfair offer, there is probably a lack of trust between the two of you. This time can be incredibly stressful for you with damage repairs, extra expenses just to live, and more. It may seem as if the insurance adjuster won’t consider your claim logically and empathetically. If you cannot agree, a homeowner’s appraisal may help

  • Either the insured or the insurance company may submit a written appraisal request
  • Each side chooses and pays an appraiser
  • The two selected appraisers pick an umpire
  • If the appraisers agree, the company pays that figure
  • If not, the umpire reviews the differences
  • When the umpire and appraisers agree, the amount they arrive at will be the settlement amount

Alternative Dispute Resolution

Another option is to go to an Alternative Dispute Resolution (ADR) route. This option helps both parties avoid litigation. ADRs include 

  • Mediation - A negotiation with a mediator who listens to both sides and helps them come to an agreement
  • Arbitration - A group of arbitrators listens to the evidence from both sides then hands down a decision. This decision can be binding, a final decision, or nonbinding, either party may reject the findings.

Filing a Lawsuit

Check your insurance policy. If you have complied with all the terms, you may sue the company. Typically, this will include filing a proof of loss, submitting a statement under oath, and more. You may be entitled to reimbursement of your attorney fees if it can be proven that the insurance company unreasonably denied your claim. Make sure to hire an attorney you trust to represent you in the proceedings.

Aldrich Legal Services has been defending families’ rights for over two decades by guiding them through the insurance adjustment dispute process. If you feel you have been unfairly treated, give us a call today at (734) 404-3000.

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