After a disaster or accident, insurance claims can feel like a puzzle with missing pieces. Many Austin residents face frustrating delays in this process. While insurance companies often cause these holdups, victims sometimes unknowingly add to the problem. Knowing these pitfalls can help you avoid extending your claim and get the compensation you need faster.
Poor documentation
Keeping thorough records is essential. Many claimants need to document every interaction with their insurance company. This includes saving emails and letters and noting phone calls. Take photos of all damages and keep receipts for any related expenses. You can prove the extent of your losses or the insurance company’s delays with proper documentation.
Accepting the first offer immediately
Insurance companies often start with a low offer, hoping you’ll accept out of frustration or financial pressure. Many claimants make the mistake of taking this first offer without question. Always review the offer carefully and compare it to your actual losses. Consider getting an independent assessment if you need clarification on the exact value of your claim.
Infrequent follow-ups
Letting your claim sit without regular check-ins is a standard error. Many people assume the insurance company will handle everything promptly. However, with consistent follow-ups, your claim might stay intact. Regular, polite communication keeps your claim active and shows you’re serious about resolution. Set reminders to contact your adjuster weekly for updates.
Remember, Texas law protects you from unreasonable delays. The Texas Department of Insurance can help if you believe your insurance company needs to follow the rules. You can file a complaint online or call their helpline for guidance. You may also reach out to an insurance lawyer to know your options and the next steps you can take.