If someone refuses to make a homeowner’s insurance claim, you may bring a legal claim. When the property owner refuses to cooperate, or when the insurer refuses to make good on a claim, that isn’t the end of the story. Instead, you may file a lawsuit to demand compensation. Both the homeowner and the insurer may be appropriate parties to name in the suit.
Once you file a legal claim, the other side may choose to resolve the case by agreement. Alternatively, you may pursue a court order that requires the homeowner and their insurance company to pay. There is only a limited amount of time you have to file the case, so be skeptical of any attempts by the property owner to cause delays or string things along.