What are my rights if my insurance company asks for additional documentation?
If your insurance company in South Carolina requests additional documentation when you make a fire insurance claim, you have the right to know why they are asking for additional information. Your insurer must provide you with a reasonable explanation as to why the additional documentation is necessary and an explanation of the law that requires them to ask for additional proof. You have the right to have access to any records your insurer has about you or your claim. If you have requested this information and your insurer does not provide it, then you can file a complaint with the South Carolina Department of Insurance. Once all of the required information has been submitted to your insurance company, you have the right to know when a decision will be made regarding your fire insurance claim. If you are denied, then you have the right to request the reason why your claim was denied. If you believe that the denial of your claim was wrongful, then you may have the right to file an appeal. If you do so, you must provide your insurer with all the relevant information and documents that support why your claim should be accepted. Your rights when dealing with insurance companies are spelled out in the South Carolina Insurance Code. It is important to familiarize yourself with the code so you know what rights you have when dealing with a fire insurance claim.
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