Below are questions commonly asked concerning Insurance Board claims.
What should I do if I think I have a claim?
What should I NOT do if I think I have a claim?
What should we do if someone sues our church?
Notify the Insurance Board immediately! And, the injured person (plaintiff)’s attorney will provide you with the following: Details of the complaint, a description of the lawsuit, the summons, and a request for your response, so please send all of this paperwork to the Insurance Board Attn: Cy McFarlin. As, there is a limited amount of time to file a response, and if no response is filed within the time stated, the plaintiff will automatically receive a default judgment so don’t delay.
Should I use a public adjuster?
This is an option that policyholders can exercise, however, there are some important considerations to understand. For one, the public adjuster’s fee is not covered by the insurance company. Instead, this fee, which is usually a percentage of the insurance claim, is deducted from the insurance claim payment the insurer makes. Also, once you engage a public adjuster the insurer is generally obligated to deal directly with the public adjuster, removing you (the policyholder) from the process. Dealing directly with the insurer enables the you to maintain control of the process, and allows you to retain 100% of the claim dollars paid. You can find more information on Public Adjusters on the “Safety Resources” section of the website.