It is a good idea for policyholders to bring their own contractors to represent them during an adjuster's inspection of the property. It also is wise to get bids from three contractors on the repair work. Property owners who disagree with the adjuster's estimate should explain why to their companies and show them the bids obtained. Through negotiation, it usually is possible to produce a settlement that will adequately cover a homeowner's losses. If they cannot agree, an umpire makes a final decision that is binding on both the homeowner and insurer.
Laws exist to protect consumers from unfair practices in the claims-handling process.
A. Most companies stop selling or increasing coverage when a storm threatens an area. After a policy is in force, however, neither the Windpool nor insurance companies may cancel coverage because of an imminent storm.