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Adjusters may use outdated pricing, exclude necessary repairs, or underestimate scope of damage.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