Insurance Company Tactics
Recognize and counter common insurance company tactics to protect your claim and maximize your settlement.
Delay by Documentation
Insurers may repeatedly request the same documents or ask for unnecessary information to delay processing your claim.
Counter Strategy:
- Document all requests and your responses in writing
- Set reasonable deadlines for responses
- Cite your state's unfair claims practices act
- Generate a Notice of Delay Complaint if delays persist
💰 Lowball Settlement Offers
Initial offers are often significantly lower than the actual value of your claim, hoping you'll accept quickly.
Counter Strategy:
- Never accept the first offer without analysis
- Compare with independent contractor estimates
- Use the Settlement Analysis tool to verify fairness
- Generate a professional counter-offer letter
🚫 Premature Coverage Denials
Insurers may deny coverage based on policy exclusions without proper investigation or explanation.
Counter Strategy:
- Request a complete copy of your policy with all endorsements
- Use Policy Analysis tool to verify coverage
- Generate a Coverage Clarification Request
- File an Appeal Letter with supporting evidence
Duplicate Evidence Requests
Asking for documents you've already submitted multiple times to create confusion and delay.
Counter Strategy:
- Maintain a submission log of all documents sent
- Reference previous submissions in your response
- Use Evidence Organizer to track all submissions
- Generate a formal complaint if pattern continues
📉 Damage Undervaluation
Adjusters may use outdated pricing, exclude necessary repairs, or underestimate scope of damage.
Counter Strategy:
- Get multiple independent contractor estimates
- Use ROM Estimator to verify repair costs
- Document all damage with detailed photos
- Generate a Demand Letter with supporting evidence
Time Pressure Tactics
Creating artificial urgency to force quick decisions before you can properly evaluate your claim.
Counter Strategy:
- Know your state's statutory deadlines
- Take time to review all offers thoroughly
- Consult with professionals if needed
- Use Deadline Tracker to manage timelines