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4 Responses to “Insurance Complaints - How Do They Work?”

1. 
   Comment by rarefind
   July 4th, 2010

   Anyone with knowledge of civil complaints filed against Fidelity National Insurance Co.?
   I am clarifying that I am looking for samples of "civil complaints" re aforementioned. Fidelity National Insurance sent adjuster after flood. Adjuster made initial offer WITH understanding that more settlement monies$ available if more damage found. Additional damage (significant) has now been uncovered. Now Fidelity renegs on its promise. My acceptance of first part of settlement did not waive my right to additional funds. There is underlying damage as was discussed with adjuster at time of first inspection. Additional work had to be done to see and assess that damage. Not looking for LEGAL advice. Just need site(s) where I can look for sample complaints re non-payment of flood insurance. (I have searched Fidelity National…they are also a title insurance company). If no sites available for Fidelity, would appreciate ANY insurance complaints re other complaints for non-payment of flood insurance claims.
2. 
   Comment by Catspaw
   July 5th, 2010

   You can search databases in the federal courts, since most bad faith suits against insurers are filed in federal court due to diversity of citizenship.

   Also, file a complaint with the insurance commsioner in your state. This often gets better results than a suit.
   References :
3. 
   Comment by MTR
   July 5th, 2010

   Your insurance Department is the best place to start. However, you do have two different entities you are looking for claims against.

   The first is Fidelity National Ins Co, but the second is the adjusting firm he was working for at the time he did the adjustment.

   However, before you got really hog wild, take a look at your insurance policy (If you don’t have it ask the insruance company for it). sometimes there is a limitation within the policy of time in which you have to present supplemental claims. Make sure you have done all those things as required in your insurance contract first.

   If you need help in understanding the insurance contract, contact the agent who sold it to you and they should be able to help you understand it
   References :
4. 
   Comment by mightyart
   July 5th, 2010

   Hey, not to offer advice where it’s not wanted or anything, I know you’re looking for specific info, but…
   You need to get in writing anything that an adjuster might say to you that you construe as material to the claim settlement. If they speak it, they can’t balk at writing it, right then and there. Once you get a settlement check, they close the claim…that’s why they call it settlement. If you accept the settlement they give, then you don’t have a right to collect additional funds later, I think.
   Seriously, I’m sure there are cases where damages are discovered and paid after claims are closed. Carriers label claims on loss listings Open, Closed, Reopened…
   If the insurance carrier has denied your claim of additional damages, you will definitely need an attorney to tell you whether it’s worth pursuing…but, then, maybe you are trying to figure out whether you should bother to ask an attorney? Depends on why the ins co issued the denial, I suppose…
   References :