After you have suffered a loss, the insurance company can be expected to respond as quickly as possible-after all, they need to protect their interests. However, whether or not you receive a fair and timely settlement is incumbent upon you. The insurance policy sets forth the requirements of each side's obligation. Insurance companies are obligated to pay. However, it is ultimately the responsibility of the insured (property owner) to present documentation supporting the claim and therefore receive a "fair" and "timely" settlement. It is not incumbent upon the insurance company to prepare or prove the claim. The policy holder must document, prepare, support and present the claim to the insurance company. This is where we as expert Public Insurance Adjusters play a vital role.
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