What happens if I don’t agree with the insurance adjuster's opinion on my fire insurance claim?

If you disagree with the opinion of the insurance adjuster on the amount of your fire insurance claim, you may have a few options. In California, you can request that the insurance company provide a written explanation of the reasoning behind their opinion and the basis for their proposed payment. You have the right to ask for the specific laws, bulletins, and policy language that the insurance adjuster is relying on to make their determination. If the explanation you receive from the insurance adjuster does not fulfill your satisfaction, you may file a complaint with the California Department of Insurance (CDI). The CDI will investigate your complaint and contact the insurance company to provide evidence and answer any questions. If the CDI believes that the insurance company is wrong and has acted in bad faith, they can order the insurance company to pay the claim in full or force them to enter into mediation or arbitration with you. If you still cannot reach a settlement with the insurance adjuster after involving the CDI, you can file a lawsuit in a California court. In such a case, the court would look at the evidence submitted by both sides and order the insurance company to pay you an amount that is determined to be fair and reasonable. Your attorney will help you to gather evidence, establish the amount of damages, and present your case to the court.

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