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Filing an insurance claim is supposed to help you recover—not leave you frustrated and fighting with your insurer. Yet, every year, thousands of policyholders face disputes ranging from unfair denials to ridiculously low settlement offers.

If you've been shortchanged by your insurance company, you're not alone—and you're not powerless.

In this guide, we’ll walk you through the most common insurance claim disputes, how to resolve them effectively, and how Brown O’Haver, a trusted public insurance adjuster, can help you fight for—and win—the maximum compensation you’re entitled to.

Common Insurance Disputes and How to Resolve Them

1. Denied Insurance Claims

The Problem:
 Your insurer flat-out denies your claim with vague or technical reasons.

Typical Causes:

·  Missed deadlines

·  Claimed exclusions in your policy

·  Lack of documentation

How to Fight Back:

·  Request a detailed explanation of the denial

·  Submit an internal appeal with supporting evidence

·  Get expert help (e.g., a public adjuster or claims specialist like Brown O’Haver) to re-analyze your case

2. Lowball Settlement Offers

The Problem:
 The insurance company offers far less than your actual damages or losses.

Why This Happens:

·  They underestimate your claim or miscalculate repair/replacement costs

Your Next Move:

·  Get your own independent estimates or evaluations

·  Negotiate with solid proof (photos, invoices, assessments)

·  Let Brown O’Haver step in. We handle settlement negotiations with one goal: getting you the full amount you’re owed.

3. Claim Processing Delays

The Problem:
 You filed everything—but weeks go by with no progress or updates.

Possible Reasons:

·  Staff shortages or backlogs

·  Untrained adjusters

·  Incomplete or unclear paperwork

How to Speed Things Up:

·  Follow up regularly in writing and keep all records

·  Know your state’s laws on processing timelines (some require payment within 30 days)

·  Hire Brown O’Haver to manage the claim and pressure the insurer for timely resolution

4. Coverage Disputes or Policy Misinterpretation

The Problem:
 Your insurer says, “That’s not covered under your policy”—even when you believe it should be.

What to Do:

·  Carefully review your policy with a professional

·  Request a clear breakdown of coverage limits and exclusions

·  Let Brown O’Haver interpret and challenge the insurer’s stance. Our team understands insurance policy language and fights to hold insurers accountable for unfair interpretations.

How Brown O’Haver Helps You Maximize Your Insurance Claim

At Brown O’Haver, we’re not insurance adjusters—we work for you, the policyholder. With over 20 years of experience handling property, auto, business, and disaster-related claims, we specialize in:

✅ Claim Reviews & Documentation Support

We ensure your claim is complete, clear, and supported by the evidence insurers respect—before it’s ever submitted.

✅ Policy Interpretation

Don’t let confusing insurance jargon be used against you. We break down your coverage and spot areas where the insurer may be dodging responsibility.

✅ Negotiation & Settlement Advocacy

We negotiate directly with the insurance company, backed by accurate valuations and legal understanding—to fight for the maximum settlement.

✅ Dispute Resolution & Appeals

Whether your claim is denied, delayed, or underpaid, we step in to resolve the dispute professionally and efficiently—so you don’t have to go through it alone.

Why Clients Trust Brown O’Haver

• Personalized Service – One-on-one guidance from claim to resolution
• Expertise – Decades of experience in navigating insurance systems
• Full Support – We handle the paperwork, phone calls, and follow-ups
• Results – Our clients routinely recover more with us than on their own

Bottom Line: If your claim was denied, delayed, or underpaid—you don’t have to settle for less. Brown O’Haver will fight for every dollar you deserve.

Conclusion: Don't Let Your Insurer Decide What You Deserve

Insurance companies are for-profit businesses. Their job is to protect their bottom line. Our job at Brown O’Haver is to protect yours.

If you’re facing a dispute, don’t waste time, money, or energy trying to navigate the claims process alone. With the right support, you can resolve your dispute faster—and with far better results.

Ready to Get the Settlement You Deserve?

Contact Brown O’Haver today for a free claim review and let us show you how much your claim could really be worth.