Document Everything: This is your most powerful tool. Keep meticulous records of everything:

Evidence of Damage or Injury: Take photos and videos of the damage. Get multiple repair estimates from different contractors. In a personal injury case, this means keeping all medical records, bills, and documentation of your pain and suffering and lost wages.

Communication Log: Create a detailed timeline of every interaction with the insurance company. Note the date, time, the name and title of the person you spoke with, and a summary of the conversation. Keep copies of all letters, emails, and forms.

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Submit a Strong Appeal: If your claim is denied, you have the right to appeal. The denial letter should outline the specific reasons for the denial and the appeals process. When you write your appeal letter, be professional and factual. Clearly state why you believe the claim should be paid, citing specific policy language and providing all supporting evidence you have gathered.

Explore Alternative Dispute Resolution: Many policies include an appraisal or arbitration process.

Appraisal: This process allows you and the insurer to each hire an appraiser. A third appraiser, or umpire, is then chosen to make a binding decision on the amount of damage. You are responsible for the cost of your appraiser and half of the umpire's fee.

Mediation: A neutral third party helps you and the insurance company reach a settlement outside of court.

Seek Outside Help: Don't go it alone if you feel overwhelmed or are getting nowhere with your appeal.

File a Complaint with Your State's Department of Insurance: This agency is responsible for regulating insurance companies and can intervene on your behalf or investigate a complaint of unfair practices.

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Hire a Public Adjuster: A public adjuster works for you, not the insurance company. They can help you assess the damage and negotiate a fair settlement.

Consult an Attorney: For complex claims or if you suspect your insurer is acting in bad faith, an attorney specializing in bad faith insurance claims can be invaluable. They can help you navigate the legal system and hold the insurance company accountable, potentially recovering not only the original claim amount but also punitive damages and other fees.