What happens if the fire insurance claim is contested by my insurance company?

If your fire insurance claim is contested by your insurance company, you will need to make sure that you have the evidence and documentation to back up your claim. You will need to prove to the company that the damage was caused by fire and your losses or the losses of your property. You may need to gather reports from fire inspectors, appraisers, and other professionals. In Pennsylvania, your insurer must provide a written notice of their decision to contest the claim, as well as the reasons they are doing so. The law also requires that they allow you 30 days to respond to their contestation. Your response should include any additional evidence you may have to prove your claim is valid. Once you have responded to the insurer’s contestation, if the dispute remains unresolved, your claim may be submitted to an arbitration or mediation panel. This panel is composed of a third-party mediator or arbitrator who has expertise in fire insurance claims. The panel will review both parties’ evidence and arguments and make a decision as to the validity of your claim. The decision of the panel is binding, meaning it cannot be appealed. Although the process of settling a contested fire insurance claim can be lengthy and complex, you should always stay in communication with your insurer. Working together to reach a decision that is fair for both parties is the best way to ensure that you are adequately compensated for your losses.

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What happens if the fire insurance claim is contested by my insurance company?

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