first home insurance company inc
Finding the Best Home Insurance Company
For some people the response to the question about how to find the best home insurance company is likely to be one of sarcasm, one that borders on telling you how easy it is to just pick a home insurance company, pay your money, and you have home insurance. That is the gist of it in the end, but the question is how to find the best home insurance company, not just how to find a home insurance company. Anyone can look in the telephone directory and find a home insurance company close to where they live, but that doesn’t mean you will make the best choice.
Choosing a home insurance company is not as easy as simply picking a home insurance provider and going with it. You need to make sure the home insurance company you choose has a competitive pricing structure, is reliable, and most of all, can offer you the package you need. The home insurance company you choose needs to be able to provide everything you need that is within the scope of their product line. What that means is you can’t expect them to provide home insurance for something they don’t ordinarily cover. For instance if you are looking at a package within your budget that requires a $500 deductible, you can’t insist on a $250 deductible for the same price.
You need to give a great deal of thought to a home insurance company before you make a final decision. Don’t choose someone from out of a hat so to speak but take the time to research, speak to others who have used the same home insurance company and make a final decision based upon the information you have before you. AHS has a reputation to uphold and can provide home insurance to meet your needs at a price that is fair and falls within your budget.
Home Insurance won’t pay?
accidental damage to a game console and carpet,put in the claim and the ins company said ok we,ll send someone out. i have however stated from the first call to the loss adjuster company that i no longer had the game console i disposed of it simply because there was water damage to it and as a safety issue i just didnt want my 6 year old to find it and plug it in in case he was electrocuted. waited now for 3 weeks, a loss adjuster came out took all the details inc original receipt,box, etc. 3 days later i have a call from the ins company saying no there not paying out.WHY i said, simply because youve disposed of the console you shoudn’t of and it doesnt matter if we have the receipt or box you coud of got that from anyone. now i,m upset.ive now got my 6 year old screaming because he’s got no wii ive tried my hardest explaining to the ins company and they wont overturn the loss adjusters decision, this cant be right surely. i’d appreciate some legal advice if this is possible.thankyou
The first thing to do is to write a letter of complaint to the insurance company about the way that they have handled the claim. Put down the facts and explanation why the console was disposed of. In the letter point out that you don’t think that the insurance company is ‘treating you fairly’ as a customer. Be sure to use that phrase.
I guarantee you will get your claim re-examined before you can say Financial Ombudsman Service (which should appear in your second letter). Just bear in mind that if you do go to the FOS (full details how will be in the insurance company’s reply) it costs the insurer £340.00 in fees – and they have to abide by the decision.