Sometimes, even with the best intentions on both sides, you and your insurance company may not see eye to eye on your claim. Maybe you disagree on the amount of the payout, the scope of the damage, or whether something is even covered. The good news is, your policy includes Alternative Dispute Resolution (ADR) options that give you a path forward — and you don’t have to feel stuck or helpless if things aren’t going smoothly.

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Most homeowners insurance policies outline a process for resolving disputes outside of court. These options often include Appraisal, Mediation, and, if necessary, Litigation. Appraisal is typically used when you and your insurer agree that the loss is covered, but can’t agree on how much should be paid. Each side selects an appraiser, and those appraisers work together to resolve the difference. Mediation, on the other hand, involves a neutral third party who helps both sides come to an agreement, often in a less formal and less stressful setting than court.

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While these options are important tools, the first step is always to try to resolve any disputes directly with the insurance company. Sometimes, simply providing additional documentation, requesting a supervisor review, or having a knowledgeable advocate (like an adjuster from Happy Adjuster) involved can help clear up misunderstandings and avoid escalation.

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But if you’ve done your part and still feel like your carrier isn’t fulfilling the promise they made when you became a policyholder, you don’t need to feel guilty or discouraged. These dispute resolution options exist for a reason.

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