Negotiating with the Insurance Company can be daunting. If you have had a flood or property damage you are more than likely reeling from the event and worried about getting business going again. So the last thing you want to do is wrestle with is an insurance adjuster.

What levels the playing field for a consumer are consumer protection statutes which generally require insurance companies to act reasonably in settling claims and to do so promptly? Obviously, delay would be near torturous if you are trying to get your repairs completed going but you may not want to act to hastily in settling up until all the details are properly addressed. But insurance companies cannot abuse the process and your stress and force you to settle a claim for less than it may be worth.

Insurance companies cannot:

They cannot misrepresent pertinent facts or insurance provisions relating to coverage; Compel litigation recover amounts due under an insurance policy; Fail to effect prompt and fair and equitable settlements;
Attempting to settle a claim for less than to which a reasonable man would have believed he was entitled to...See M.G.L. c 176D Section 3

The process is time consuming and heavily regulated don't settle for less than you are entitled to.