You know that sinking feeling when you file an insurance claim and suddenly your own insurance company starts treating you like you’re trying to pull a fast one? Yeah, I’ve heard that story way too many times. You pay your premiums religiously for years, then when you actually need coverage, it feels like you’re fighting an uphill battle just to get what you rightfully deserve.<\/p>\n\n\n\n
Here’s the thing \u2013 insurance adjusters play a huge role in how your claim gets handled. Understanding what they do (and what they’re supuesto<\/em> (hacer) puede marcar la diferencia entre recibir un trato justo y ser evadido. Perm\u00edtanme explicarles todo lo que necesitan saber sobre los peritos de seguros y las reclamaciones por mala fe, porque, sinceramente, esto puede ser bastante complicado.<\/p>\n\n\n\n Think of an insurance adjuster as the middleman between you and the insurance company’s checkbook. They’re the ones who investigate your claim, figure out what happened, and decide how much (if anything) the insurance company should pay out.<\/p>\n\n\n\n Ahora bien, existen distintos tipos de ajustadores, y esto es m\u00e1s importante de lo que crees:<\/p>\n\n\n\n These folks are actual employees of the insurance company. They get a steady paycheck from the insurer, which means their loyalty is pretty clear. They’re supposed to be fair and objective, but let’s be real \u2013 they know who signs their paychecks.<\/p>\n\n\n\n These are contractors that insurance companies hire when they need extra help or specialized expertise. They’re not direct employees, but they still get paid by the insurance company. It’s kind of like hiring a freelancer \u2013 they want to keep getting work from the insurer, so they’ve got incentives to keep their clients happy.<\/p>\n\n\n\n Here’s where things get interesting. Public adjusters work for YOU, not the insurance company. You hire them to represent your interests and fight for a fair settlement. They’re like having your own advocate in the process.<\/p>\n\n\n\n So, the adjuster’s job sounds straightforward on paper: investigate the claim, assess damages, review your policy, and recommend a settlement amount. But in practice? Well, that’s where things can get messy.<\/p>\n\n\n\n Bad faith isn’t just about getting a settlement that’s lower than you hoped for. It’s about the insurance company (through their adjusters) failing to deal with you fairly and honestly. And trust me, there’s a big difference.<\/p>\n\n\n\n Ever had an adjuster who takes forever to return your calls? Or maybe they schedule appointments and then don’t show up? This isn’t just poor customer service \u2013 it could be bad faith. Insurance companies have a duty to promptly investigate and respond to claims.<\/p>\n\n\n\n Recuerdo haber hablado con un cliente cuyo ajustador pr\u00e1cticamente no respondi\u00f3 a sus llamadas durante tres meses despu\u00e9s de presentar la reclamaci\u00f3n inicial. \u00a1Tres meses! Mientras tanto, esta persona lidiaba con da\u00f1os a la propiedad y gastos crecientes, y la compa\u00f1\u00eda de seguros simplemente\u2026 no aparec\u00eda por ning\u00fan lado.<\/p>\n\n\n\n Sometimes adjusters will drag out investigations way longer than necessary, or they’ll demand documentation that’s clearly unreasonable or impossible to provide. Imagine them asking for receipts from 15 years ago for items that were destroyed in a fire \u2013 that’s the kind of stuff we’re talking about.<\/p>\n\n\n\n Look, not every low settlement offer is bad faith. But when an adjuster makes an offer that’s clearly way below fair value and can’t or won’t explain c\u00f3mo<\/em> they arrived at that number? That’s a red flag.<\/p>\n\n\n\n This one’s particularly frustrating. You provide everything the adjuster asks for, then they come back asking for more documentation. Then more. Then they want something else entirely. It’s like they’re trying to exhaust you into giving up.<\/p>\n\n\n\n Here’s something that might surprise you: adjusters are trained to minimize payouts. That’s not necessarily illegal or even unethical \u2013 insurance companies are businesses, after all. But there’s a line between being thorough and being unreasonable.<\/p>\n\n\n\n Sometimes adjusters will push for a really quick settlement, especially right after an accident when you’re still dealing with injuries or trauma. They might make it sound like this is the best offer you’ll get, or that you need to decide right now.<\/p>\n\n\n\n Don’t fall for it. You don’t have to accept the first offer, and you definitely don’t have to decide on the spot. Take your time.<\/p>\n\n\n\n This happens more than it should. An adjuster might tell you that something isn’t covered under your policy when it actually is. Or they might misinterpret policy language in a way that benefits the insurance company.<\/p>\n\n\n\n Always read your policy yourself. I know, I know \u2013 insurance policies are about as fun to read as tax code. But it’s your money on the line.<\/p>\n\n\n\n Los ajustadores son expertos en conseguir que usted diga cosas que puedan utilizarse para denegar o reducir su reclamaci\u00f3n. Podr\u00edan hacer preguntas capciosas o sacar de contexto sus declaraciones.<\/p>\n\n\n\n For example, if you say you’re “feeling okay” when asked how you’re doing after an accident, they might use that to argue that your injuries aren’t serious. Even though you were just being polite!<\/p>\n\n\n\n You’ve got more rights than you probably realize. Insurance companies don’t always go out of their way to tell you about them, but they’re there.<\/p>\n\n\n\n Su compa\u00f1\u00eda de seguros tiene la obligaci\u00f3n legal de tratar con usted de buena fe. Esto significa que debe ser honesta, justa y razonable al gestionar su reclamaci\u00f3n.<\/p>\n\n\n\n Insurance companies can’t just sit on your claim forever. They need to start investigating promptly and keep the process moving at a reasonable pace.<\/p>\n\n\n\n If your claim is covered, you’re entitled to a settlement that fairly compensates you for your losses. Not the bare minimum \u2013 a fair amount.<\/p>\n\n\n\n If your claim is denied or you’re offered less than you think is fair, you have the right to know why. The adjuster should be able to explain their reasoning and point to specific policy language or evidence.<\/p>\n\n\n\n Puede contar con la presencia de un abogado durante las declaraciones grabadas o las reuniones con los peritos. Tambi\u00e9n puede contratar a un perito p\u00fablico para que represente sus intereses.<\/p>\n\n\n\n Sometimes bad faith is obvious \u2013 like when an adjuster flat-out lies to you. But often it’s more subtle. Here are some warning signs to watch out for:<\/p>\n\n\n\n If your adjuster is taking weeks to return calls or months to make decisions on straightforward claims, that’s a problem. Sure, complex claims take time, but there’s a difference between thorough and stalling.<\/p>\n\n\n\n It’s normal for adjusters to ask for documentation to support your claim. But if they’re asking for things that are clearly unnecessary or impossible to obtain, they might be trying to create obstacles.<\/p>\n\n\n\n If an adjuster denies your claim without actually investigating it properly, that’s bad faith. They need to do their homework before making decisions.<\/p>\n\n\n\n Professional adjusters don’t threaten claimants or use high-pressure tactics. If an adjuster is trying to intimidate you or pressure you into accepting a settlement, that’s not okay.<\/p>\n\n\n\n When an adjuster makes a decision about your claim, they should be able to explain their reasoning clearly. If they can’t or won’t explain why they’re denying coverage or offering a certain amount, that’s suspicious.<\/p>\n\n\n\n If you think your insurance adjuster is acting in bad faith, don’t just sit there and take it. You’ve got options.<\/p>\n\n\n\n Empiece a llevar un registro detallado de cada interacci\u00f3n con su ajustador. Anote fechas, horas, lo que se habl\u00f3 y cualquier promesa hecha. Guarde todos los correos electr\u00f3nicos y cartas. Si tiene conversaciones telef\u00f3nicas, env\u00ede un correo electr\u00f3nico de seguimiento con un resumen de lo hablado.<\/p>\n\n\n\n I can’t stress this enough \u2013 read your insurance policy. Yes, it’s boring. Yes, it’s full of legal jargon. But you need to know what you’re entitled to so you can spot when an adjuster is trying to pull a fast one.<\/p>\n\n\n\n Insurance companies often start with lowball offers, hoping you’ll just accept and move on. You don’t have to take the first offer. In fact, you probably shouldn’t.<\/p>\n\n\n\n If you’re dealing with property damage, consider getting your own estimate from a contractor or repair shop. If you’re dealing with injuries, make sure you’re seeing your own doctor, not just the insurance company’s preferred medical examiner.<\/p>\n\n\n\n A veces necesita ayuda profesional. Un ajustador p\u00fablico puede representar sus intereses ante la compa\u00f1\u00eda de seguros. Un abogado especializado en reclamos por mala fe puede ayudarle si la situaci\u00f3n se agrava.<\/p>\n\n\n\n Speaking of attorneys, if you’re in Colorado and dealing with what feels like bad faith behavior from your insurance company, the team at McCormick & Murphy P.C. has been handling these exact situations since 1995. They specialize in insurance bad faith cases and understand exactly how adjusters sometimes try to shortchange claimants.<\/p>\n\n\n\n Perm\u00edtame explicarle c\u00f3mo deber\u00eda ser un proceso de reclamo justo, para que sepa cu\u00e1ndo las cosas se est\u00e1n saliendo de control.<\/p>\n\n\n\n Al presentar una reclamaci\u00f3n, la compa\u00f1\u00eda de seguros debe reconocerla con prontitud, generalmente en pocos d\u00edas. Deben asignarle un ajustador y proporcionarle su informaci\u00f3n de contacto.<\/p>\n\n\n\n The adjuster should contact you soon after being assigned to your case. We’re talking days, not weeks.<\/p>\n\n\n\n Aqu\u00ed es donde el ajustador realiza su trabajo de investigaci\u00f3n. Debe:<\/p>\n\n\n\n Esta fase deber\u00eda avanzar a un ritmo razonable. Las reclamaciones complejas tardan m\u00e1s que las sencillas, pero deber\u00eda observar un progreso constante.<\/p>\n\n\n\n Once the investigation is complete, the adjuster should evaluate your claim and make a decision. If it’s covered, they should make a fair settlement offer. If it’s denied, they should explain why in writing.<\/p>\n\n\n\n If you accept the settlement offer, great \u2013 you should get your money promptly. If you don’t agree with the decision, you should have a clear process for appealing or disputing it.<\/p>\n\n\n\n Bad faith comes in different flavors, and recognizing the type you’re dealing with can help you respond appropriately.<\/p>\n\n\n\n Esto ocurre cuando su reclamaci\u00f3n es rechazada aunque deber\u00eda estar cubierta por su p\u00f3liza. Quiz\u00e1s el ajustador malinterpreta el texto de la p\u00f3liza o simplemente ignora la evidencia que respalda su reclamaci\u00f3n.<\/p>\n\n\n\n Sometimes insurance companies will drag out the claims process hoping you’ll get frustrated and give up, or accept a lower settlement just to get it over with. Unreasonable delays in investigation, evaluation, or payment can all constitute bad faith.<\/p>\n\n\n\n This happens when the insurance company offers way less than your claim is actually worth. They might use outdated valuations, ignore certain damages, or just hope you don’t know any better.<\/p>\n\n\n\n If the adjuster doesn’t properly investigate your claim \u2013 maybe they skip important steps or ignore evidence \u2013 that can be bad faith too.<\/p>\n\n\n\n Here’s something most people don’t know: insurance adjusters go through extensive training on how to minimize claim payouts. They learn techniques for questioning claimants, spotting potential fraud, and finding reasons to deny or reduce claims.<\/p>\n\n\n\n Ahora bien, parte de esta capacitaci\u00f3n es leg\u00edtima: el fraude de seguros es un problema real y los ajustadores deben saber c\u00f3mo detectarlo. Sin embargo, algunas de las t\u00e9cnicas que aprenden pueden llegar a ser de mala fe.<\/p>\n\n\n\n Adjusters are trained to take recorded statements from claimants, and they know exactly what questions to ask to get answers that might hurt your claim later. They might ask about your injuries when you’re still in shock, or ask leading questions that make it sound like you’re admitting fault.<\/p>\n\n\n\n You don’t always have to give a recorded statement, by the way. Check your policy \u2013 sometimes it’s required, but often it’s not.<\/p>\n\n\n\n Adjusters know that most people don’t keep detailed records of their possessions or medical treatments. They’ll ask for documentation knowing that you might not have it, then use that as a reason to deny or reduce your claim.<\/p>\n\n\n\n They’re also trained to create artificial urgency. “This offer is only good until Friday” or “If you don’t accept this now, the offer might be lower later.” These are pressure tactics designed to get you to settle before you have time to think it through or get advice.<\/p>\n\n\n\n Mira, no todos los peritos de seguros buscan estafarte. Muchos son profesionales honestos que intentan hacer su trabajo de forma justa. Pero incluso los buenos trabajan dentro de un sistema que incentiva la minimizaci\u00f3n de los pagos.<\/p>\n\n\n\n Treat your adjuster with respect, but don’t assume they’re your friend. They’re not. They work for the insurance company, not for you.<\/p>\n\n\n\n When talking to adjusters, stick to the facts about what happened. Don’t speculate, don’t admit fault, and don’t downplay your injuries or damages.<\/p>\n\n\n\n This should be obvious, but you’d be surprised how many people sign documents without reading them carefully. Don’t do it. If you don’t understand something, ask questions or get help.<\/p>\n\n\n\n Don’t rely on the adjuster to keep track of everything. Keep your own records of all communications, documents, and expenses related to your claim.<\/p>\n\n\n\n A veces puede gestionar una reclamaci\u00f3n de seguro por su cuenta. Pero a veces necesita ayuda profesional. Estas son algunas situaciones en las que deber\u00eda considerar seriamente contratar a un abogado:<\/p>\n\n\n\n If your adjuster denies a claim that you believe should be covered, and they can’t give you a satisfactory explanation why, it might be time to get legal help.<\/p>\n\n\n\n If the adjuster’s offer is way below what you think your claim is worth, and they won’t budge or explain their reasoning, an attorney can help you fight for fair compensation.<\/p>\n\n\n\n If you’ve been seriously injured, the stakes are high. Insurance companies know that serious injury claims can be worth a lot of money, so they’ll often fight harder to minimize payouts.<\/p>\n\n\n\n If you’re seeing clear signs of bad faith \u2013 unreasonable delays, deceptive practices, failure to investigate properly \u2013 you need someone in your corner who knows how to fight back.<\/p>\n\n\n\n Sometimes the claims process is just too much to handle on your own, especially if you’re dealing with injuries or other personal challenges. There’s no shame in getting help.<\/p>\n\n\n\n The attorneys at McCormick & Murphy P.C. have been dealing with exactly these situations for nearly three decades. They know how insurance companies operate, they understand the games adjusters sometimes play, and they’re not afraid to take on big insurance companies when they’re not treating their clients fairly. You can Conozca m\u00e1s sobre su trayectoria profesional y opiniones de clientes.<\/a> to see how they’ve helped other people in similar situations.<\/p>\n\n\n\n Comprender c\u00f3mo funciona el negocio de seguros puede ayudarle a entender por qu\u00e9 los ajustadores a veces act\u00faan como lo hacen.<\/p>\n\n\n\n La mayor\u00eda de los ajustadores de seguros son evaluados en funci\u00f3n del dinero que ahorran a la compa\u00f1\u00eda. Pueden tener objetivos de montos promedio de liquidaci\u00f3n o tasas de cierre de siniestros. Esto crea evidentes conflictos de intereses.<\/p>\n\n\n\n Insurance companies make money by collecting premiums and paying out as little as possible in claims. It’s just business to them, but it’s your life and your money.<\/p>\n\n\n\n Many adjusters handle huge caseloads. They might be managing hundreds of claims at once, which means they’re under pressure to close cases quickly rather than thoroughly.<\/p>\n\n\n\n El seguro est\u00e1 regulado a nivel estatal y cada estado tiene diferentes reglas sobre c\u00f3mo deben comportarse los ajustadores.<\/p>\n\n\n\n Aqu\u00ed en Colorado, las compa\u00f1\u00edas de seguros tienen obligaciones espec\u00edficas para con sus asegurados. Deben investigar las reclamaciones con prontitud y justicia, tratar honestamente a los reclamantes y pagar las reclamaciones v\u00e1lidas sin demoras injustificadas.<\/p>\n\n\n\n Si cree que su compa\u00f1\u00eda de seguros ha violado estos deberes, Puede presentar una queja ante la Divisi\u00f3n de Seguros de Colorado<\/a>. This won’t necessarily get you more money, but it can put pressure on the insurance company to treat you fairly.<\/p>\n\n\n\n Algunos estados tienen leyes de mala fe m\u00e1s estrictas que otros. Colorado ofrece una protecci\u00f3n razonablemente buena para los consumidores, pero es necesario conocer sus derechos y estar dispuesto a hacerlos valer.<\/p>\n\n\n\n La industria de seguros ha cambiado mucho en los \u00faltimos a\u00f1os y la tecnolog\u00eda est\u00e1 jugando un papel m\u00e1s importante en el ajuste de reclamaciones.<\/p>\n\n\n\n Algunas compa\u00f1\u00edas de seguros ahora utilizan algoritmos inform\u00e1ticos para evaluar autom\u00e1ticamente las reclamaciones. Esto puede agilizar el proceso de reclamaciones sencillas, pero tambi\u00e9n puede provocar errores o denegaciones injustificadas.<\/p>\n\n\n\n Muchos peritos ahora usan tel\u00e9fonos inteligentes y tabletas para documentar los da\u00f1os y crear presupuestos. Esto puede ser m\u00e1s eficiente, pero tambi\u00e9n puede llevar a que se pasen por alto detalles importantes.<\/p>\n\n\n\n Las compa\u00f1\u00edas de seguros utilizan sofisticados an\u00e1lisis de datos para buscar patrones que puedan indicar fraude. En ocasiones, estos sistemas marcan reclamaciones leg\u00edtimas como sospechosas, lo que ocasiona demoras e investigaciones innecesarias.<\/p>\n\n\n\n Perm\u00edtanme aclarar algunos conceptos err\u00f3neos que la gente tiene sobre los ajustadores de seguros:<\/p>\n\n\n\n Not true. Many adjusters are honest professionals doing their best to handle claims fairly. The problem is that they’re working within a system that incentivizes minimizing payouts.<\/p>\n\n\n\n Totalmente falso. Puedes negociar, apelar, pedir segundas opiniones y contratar profesionales.<\/p>\n\n\n\n While adjusters know a lot about insurance, they’re not necessarily experts on your specific policy or situation. Don’t assume they’re always right.<\/p>\n\n\n\n Being professional and courteous is always good, but don’t think that being extra friendly will somehow get you more money. Adjusters make decisions based on policy language and company guidelines, not on how much they like you.<\/p>\n\n\n\n If you think you’re dealing with bad faith, you need to build a strong case. Here’s how:<\/p>\n\n\n\n Mantenga registros de cada interacci\u00f3n con su compa\u00f1\u00eda de seguros. Guarde correos electr\u00f3nicos, cartas y documentos de reclamaciones. Anote los detalles de las conversaciones telef\u00f3nicas inmediatamente despu\u00e9s de que ocurran.<\/p>\n\n\n\n Make sure you’re meeting all the requirements in your insurance policy. If you don’t report claims promptly or provide required documentation, it gives the insurance company ammunition to deny your claim.<\/p>\n\n\n\n Don’t rely solely on the insurance company’s evaluation of your damages. Get your own estimates for property damage, your own medical evaluations for injuries, and your own appraisals for valuable items.<\/p>\n\n\n\n Lleve un registro de la duraci\u00f3n de cada paso del proceso. Si la lentitud es irrazonablemente alta, podr\u00eda ser indicio de mala fe.<\/p>\n\n\n\n Bad faith doesn’t just cost you the money you should have gotten from your claim \u2013 it can have broader financial consequences.<\/p>\n\n\n\n If you’re dealing with property damage and your insurance company is dragging their feet, you might have to pay for temporary housing, storage, or other expenses out of pocket.<\/p>\n\n\n\n If you’re injured and your insurance company is delaying or denying coverage, you might end up paying medical bills that should have been covered.<\/p>\n\n\n\n Tratar con una compa\u00f1\u00eda de seguros de mala fe puede consumir much\u00edsimo tiempo. Es posible que tenga que ausentarse del trabajo para asistir a reuniones, llamadas telef\u00f3nicas y citas.<\/p>\n\n\n\n Don’t underestimate the emotional toll of fighting with your insurance company. It’s stressful, frustrating, and exhausting.<\/p>\n\n\n\n La mejor manera de abordar la mala fe es prevenirla desde el principio. Aqu\u00ed tienes algunas cosas que puedes hacer:<\/p>\n\n\n\n I know I keep saying this, but it’s really important. You can’t enforce your rights if you don’t know what they are.<\/p>\n\n\n\n Keep an inventory of your belongings, including photos and receipts. This makes it much easier to prove what you’ve lost if you need to file a claim.<\/p>\n\n\n\n No todas las compa\u00f1\u00edas de seguros son iguales. Algunas tienen mejor reputaci\u00f3n por tratar a sus clientes de forma justa. Investigue antes de contratar.<\/p>\n\n\n\n Make sure you have adequate coverage for your needs. It’s better to pay a little more for good coverage than to find out after a loss that you’re underinsured.<\/p>\n\n\n\n If you’re dealing with a significant property loss, you might want to consider hiring a public adjuster. These are licensed professionals who work for you, not the insurance company.<\/p>\n\n\n\n Los ajustadores p\u00fablicos gestionan todos los aspectos de su reclamaci\u00f3n de seguro. Documentan sus p\u00e9rdidas, preparan su reclamaci\u00f3n, negocian con la compa\u00f1\u00eda de seguros y luchan por una compensaci\u00f3n justa.<\/p>\n\n\n\n Public adjusters typically charge a percentage of your settlement (usually 5-15%), so they’re most cost-effective for larger claims. If you’re dealing with significant property damage or if your insurance company is giving you the runaround, a public adjuster might be worth the cost.<\/p>\n\n\n\n Aseg\u00farese de que cualquier ajustador p\u00fablico que contrate tenga licencia en su estado. Solicite referencias y verifique su historial. Y aseg\u00farese de comprender su estructura de honorarios antes de firmar cualquier contrato.<\/p>\n\n\n\n If you end up filing a bad faith lawsuit against your insurance company, here’s what you can expect:<\/p>\n\n\n\n Su abogado presentar\u00e1 una demanda alegando mala fe por parte de la compa\u00f1\u00eda de seguros. La compa\u00f1\u00eda de seguros presentar\u00e1 una respuesta.<\/p>\n\n\n\n Ambas partes reunir\u00e1n pruebas, incluyendo documentos, declaraciones y peritajes. Esta fase puede durar meses o incluso a\u00f1os.<\/p>\n\n\n\n Most bad faith cases settle before going to trial. Your attorney will negotiate with the insurance company’s lawyers to try to reach a fair settlement.<\/p>\n\n\n\n If the case doesn’t settle, it will go to trial. A jury will decide whether the insurance company acted in bad faith and, if so, how much you should be compensated.<\/p>\n\n\n\n Si gana un caso de mala fe, podr\u00eda tener derecho a varios tipos de da\u00f1os:<\/p>\n\n\n\n Esta es la cantidad que deber\u00eda haber recibido bajo su p\u00f3liza de seguro en primer lugar.<\/p>\n\n\n\n These are additional damages you suffered because of the insurance company’s bad faith \u2013 things like additional living expenses, lost income, or medical bills you had to pay out of pocket.<\/p>\n\n\n\n In some cases, you might be able to recover damages for the emotional distress caused by the insurance company’s bad faith conduct.<\/p>\n\n\n\n If the insurance company’s conduct was particularly egregious, you might be awarded punitive damages designed to punish the company and deter similar conduct in the future.<\/p>\n\n\n\n In many states, including Colorado, if you win a bad faith case, the insurance company has to pay your attorney’s fees.<\/p>\n\n\n\n Perm\u00edtanme compartir algunos ejemplos de comportamiento de mala fe:<\/p>\n\n\n\n Un propietario present\u00f3 una reclamaci\u00f3n despu\u00e9s de que una tormenta de granizo da\u00f1ara su techo. El perito vino, tom\u00f3 algunas fotos y prometi\u00f3 contactarlo con un presupuesto. Eso fue hace seis meses. El propietario ha llamado decenas de veces, dejado mensajes, enviado correos electr\u00f3nicos... nada. Mientras tanto, el techo da\u00f1ado est\u00e1 empezando a tener goteras, causando da\u00f1os adicionales en el interior de la casa.<\/p>\n\n\n\n A car accident victim was told by their adjuster that they needed to provide receipts for every single item that was damaged in their car \u2013 including things like the owner’s manual, floor mats, and spare tire. When the victim pointed out that these items came with the car and they didn’t have separate receipts, the adjuster said they couldn’t pay for those items.<\/p>\n\n\n\n A business owner filed a claim after a fire damaged their restaurant. First, the adjuster said they needed proof of income. The owner provided tax returns and bank statements. Then the adjuster said they needed vendor invoices. The owner provided those. Then they wanted employee records. Then utility bills. Then something else. Each time, the adjuster found a new reason why the documentation wasn’t sufficient.<\/p>\n\n\n\n A homeowner’s house was destroyed in a wildfire. The insurance company’s adjuster valued the house at $200,000. The homeowner got their own appraisal, which came in at $350,000. When they presented this to the adjuster, he said he’d “take another look” but came back with the same $200,000 figure. He couldn’t explain why there was such a big difference.<\/p>\n\n\n\n Don’t be afraid to ask your adjuster questions. You have a right to understand what’s happening with your claim. Here are some good questions to ask:<\/p>\n\n\n\n Preste atenci\u00f3n a c\u00f3mo se comunica su ajustador con usted. Aqu\u00ed hay algunas se\u00f1ales de advertencia:<\/p>\n\n\n\n If your adjuster can’t give you straight answers to simple questions, that’s a problem. Professional adjusters should be able to explain their decisions clearly.<\/p>\n\n\n\n “This offer won’t be available tomorrow” or “If you don’t accept this now, we might offer less later.” These are pressure tactics designed to rush you into a decision.<\/p>\n\n\n\n If your adjuster tells you different things at different times, write it down and ask for clarification. Inconsistencies might indicate that they’re not being truthful with you.<\/p>\n\n\n\n If your adjuster is asking for documentation that’s clearly unnecessary or impossible to obtain, they might be trying to create obstacles to paying your claim.<\/p>\n\n\n\n Technology is changing how insurance claims are handled, and it’s worth understanding how this might affect your claim:<\/p>\n\n\n\n Algunos peritos ahora usan drones para inspeccionar da\u00f1os en techos u otras zonas de dif\u00edcil acceso. Esto puede ser m\u00e1s exhaustivo que las inspecciones visuales desde el suelo, pero tambi\u00e9n puede pasar por alto detalles que ser\u00edan evidentes durante una inspecci\u00f3n presencial.<\/p>\n\n\n\n Some insurance companies use AI to evaluate claims automatically. This can speed up the process for simple claims, but it can also lead to errors or unfair denials if the AI doesn’t understand the nuances of your situation.<\/p>\n\n\n\n Muchos peritos ahora usan tabletas o tel\u00e9fonos inteligentes para documentar los da\u00f1os y generar presupuestos en el momento. Esto puede ser eficiente, pero aseg\u00farese de obtener copias de todas las fotos y la documentaci\u00f3n.<\/p>\n\n\n\n Especialmente desde la pandemia de COVID-19, algunos peritos realizan inspecciones por videollamada, donde usted les muestra los da\u00f1os a trav\u00e9s de la c\u00e1mara de su tel\u00e9fono o computadora. Si bien esto puede ser conveniente, podr\u00eda no ser tan exhaustivo como una inspecci\u00f3n en persona.<\/p>\n\n\n\n If you file a complaint with your state insurance commissioner or hire an attorney to pursue a bad faith claim, here’s what typically happens:<\/p>\n\n\n\n Once they know you’re serious about fighting back, insurance companies often change their tune. They might suddenly become more responsive or make a better settlement offer.<\/p>\n\n\n\n If you’ve filed a complaint with the state, they’ll investigate your allegations. If you’ve hired an attorney, they’ll conduct their own investigation and gather evidence.<\/p>\n\n\n\n Most bad faith disputes are resolved through negotiation rather than going to trial. Once the insurance company realizes you’re serious and have a valid complaint, they’ll often be more willing to negotiate fairly.<\/p>\n\n\n\n Hopefully, you’ll reach a fair resolution that compensates you appropriately for your losses and the hassle you’ve been put through.<\/p>\n\n\n\n If you decide you need legal help with a bad faith claim, here’s what to look for in an attorney:<\/p>\n\n\n\n No todos los abogados comprenden la ley de mala fe en seguros. Necesita a alguien especializado en esta \u00e1rea y con un historial de \u00e9xito.<\/p>\n\n\n\n Las compa\u00f1\u00edas de seguros cuentan con equipos de abogados y recursos ilimitados. Necesita un abogado con los recursos y la experiencia necesarios para enfrentarse a ellos de igual a igual.<\/p>\n\n\n\n Most bad faith attorneys work on contingency, meaning you don’t pay attorney’s fees unless you win. This aligns their interests with yours.<\/p>\n\n\n\n You want an attorney who will keep you informed about what’s happening with your case and who will explain things in terms you can understand.<\/p>\n\n\n\n If you’re in Colorado and dealing with what seems like bad faith behavior from your insurance company, McCormick & Murphy P.C. checks all these boxes. They’ve been fighting insurance companies on behalf of their clients since 1995, they work on contingency, and they have the experience and resources to take on even the biggest insurance companies. Their office is located at 929 W Colorado Ave, Colorado Springs, CO 80905<\/a>, y puedes contactarlos en (719) 800-9407<\/a>.<\/p>\n\n\n\n If you’re dealing with what you think might be bad faith behavior from your insurance adjuster, don’t just hope it gets better. Take action:<\/p>\n\n\n\n Remember, you have rights as an insurance policyholder. You’ve paid your premiums, and you deserve fair treatment when you need to file a claim. Don’t let insurance adjusters take advantage of you, and don’t be afraid to fight back when they’re not treating you fairly.<\/p>\n\n\n\n The insurance claims process doesn’t have to be a nightmare, but when it is, you don’t have to face it alone. Whether you need help understanding your rights, dealing with an unresponsive adjuster, or fighting a bad faith denial, there are resources available to help you get the fair treatment you deserve.<\/p>\n\n\n\n Your insurance policy is a contract, and the insurance company has legal obligations to you. When they don’t meet those obligations, they should be held accountable. Don’t let them get away with bad faith behavior \u2013 you’ve got more power than you think, and there are people who can help you use it.<\/p>","protected":false},"excerpt":{"rendered":" You know that sinking feeling when you file an insurance claim and suddenly your own insurance company starts treating you like you’re trying to pull a fast one? Yeah, I’ve heard that story way too many times. You pay your premiums religiously for years, then when you actually need coverage, it feels like you’re fighting … <\/p>\n\u00bfQu\u00e9 hace exactamente un ajustador de seguros?<\/h2>\n\n\n\n
Ajustadores de empresa (Ajustadores de personal)<\/h3>\n\n\n\n
Ajustadores independientes<\/h3>\n\n\n\n
Ajustadores p\u00fablicos<\/h3>\n\n\n\n
Cuando los ajustadores de seguros se exceden: c\u00f3mo reconocer la mala fe<\/h2>\n\n\n\n
El Ajustador que Desaparece<\/h3>\n\n\n\n
La investigaci\u00f3n irrazonable<\/h3>\n\n\n\n
Ofertas bajas sin justificaci\u00f3n<\/h3>\n\n\n\n
El juego de los postes m\u00f3viles<\/h3>\n\n\n\n
C\u00f3mo los ajustadores a veces trabajan en contra de sus intereses<\/h2>\n\n\n\n
La trampa de la liquidaci\u00f3n r\u00e1pida<\/h3>\n\n\n\n
Tergiversar su p\u00f3liza<\/h3>\n\n\n\n
Usando sus declaraciones en su contra<\/h3>\n\n\n\n
Sus derechos al tratar con ajustadores de seguros<\/h2>\n\n\n\n
El derecho a un trato honesto<\/h3>\n\n\n\n
El derecho a una investigaci\u00f3n pronta<\/h3>\n\n\n\n
El derecho a un acuerdo justo<\/h3>\n\n\n\n
El derecho a saber por qu\u00e9<\/h3>\n\n\n\n
El derecho a la representaci\u00f3n<\/h3>\n\n\n\n
Banderas rojas que sugieren un comportamiento de mala fe<\/h2>\n\n\n\n
Retrasos irrazonables<\/h3>\n\n\n\n
Solicitar documentaci\u00f3n excesiva<\/h3>\n\n\n\n
Negar reclamaciones sin una investigaci\u00f3n adecuada<\/h3>\n\n\n\n
Hacer amenazas o usar t\u00e1cticas de presi\u00f3n<\/h3>\n\n\n\n
No explicar las decisiones<\/h3>\n\n\n\n
Qu\u00e9 hacer cuando se sospecha de mala fe<\/h2>\n\n\n\n
Documentar todo<\/h3>\n\n\n\n
Conozca su p\u00f3liza<\/h3>\n\n\n\n
Don’t Accept the First Offer<\/h3>\n\n\n\n
Obtenga una segunda opini\u00f3n<\/h3>\n\n\n\n
Considere contratar ayuda<\/h3>\n\n\n\n
El proceso de reclamaciones: \u00bfQu\u00e9 deber\u00eda suceder realmente?<\/h2>\n\n\n\n
Contacto inicial y presentaci\u00f3n de reclamaciones<\/h3>\n\n\n\n
Fase de investigaci\u00f3n<\/h3>\n\n\n\n
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Evaluaci\u00f3n y decisi\u00f3n<\/h3>\n\n\n\n
Acuerdo o apelaci\u00f3n<\/h3>\n\n\n\n
Tipos de mala fe que podr\u00edas encontrar<\/h2>\n\n\n\n
Negaci\u00f3n de mala fe<\/h3>\n\n\n\n
Retrasar la mala fe<\/h3>\n\n\n\n
Acuerdo de mala fe<\/h3>\n\n\n\n
Investigaci\u00f3n de mala fe<\/h3>\n\n\n\n
C\u00f3mo se capacitan los ajustadores (y por qu\u00e9 es importante)<\/h2>\n\n\n\n
La estrategia de la declaraci\u00f3n grabada<\/h3>\n\n\n\n
El juego de la documentaci\u00f3n<\/h3>\n\n\n\n
La t\u00e1ctica de la presi\u00f3n del tiempo<\/h3>\n\n\n\n
Trabajar eficazmente con los ajustadores de seguros<\/h2>\n\n\n\n
Sea profesional pero cauteloso<\/h3>\n\n\n\n
Ap\u00e9guese a los hechos<\/h3>\n\n\n\n
Don’t Sign Anything Without Reading It<\/h3>\n\n\n\n
Mantenga sus propios registros<\/h3>\n\n\n\n
Cu\u00e1ndo contratar un abogado<\/h2>\n\n\n\n
Su reclamo es rechazado sin una buena raz\u00f3n<\/h3>\n\n\n\n
La oferta de acuerdo es irrazonablemente baja<\/h3>\n\n\n\n
You’re Dealing with Serious Injuries<\/h3>\n\n\n\n
El ajustador act\u00faa de mala fe<\/h3>\n\n\n\n
You’re Feeling Overwhelmed<\/h3>\n\n\n\n
El lado comercial del ajuste de seguros<\/h2>\n\n\n\n
Los ajustadores tienen m\u00e9tricas de desempe\u00f1o<\/h3>\n\n\n\n
El motivo de lucro<\/h3>\n\n\n\n
Presiones de volumen<\/h3>\n\n\n\n
Regulaciones y supervisi\u00f3n estatales<\/h2>\n\n\n\n
Colorado’s Rules<\/h3>\n\n\n\n
Las leyes de mala fe var\u00edan<\/h3>\n\n\n\n
Tecnolog\u00eda y Ajuste Moderno<\/h2>\n\n\n\n
Procesamiento automatizado de reclamaciones<\/h3>\n\n\n\n
Estimaciones de fotos y videos<\/h3>\n\n\n\n
Miner\u00eda de datos y detecci\u00f3n de fraudes<\/h3>\n\n\n\n
Mitos comunes sobre los ajustadores de seguros<\/h2>\n\n\n\n
Mito: Los ajustadores siempre intentan estafarte<\/h3>\n\n\n\n
Mito: Tienes que aceptar todo lo que te ofrezca el ajustador<\/h3>\n\n\n\n
Mito: Los ajustadores son expertos en seguros<\/h3>\n\n\n\n
Mito: Ser amable con su ajustador le permitir\u00e1 obtener un mejor acuerdo<\/h3>\n\n\n\n
Construyendo su caso contra la mala fe<\/h2>\n\n\n\n
La documentaci\u00f3n lo es todo<\/h3>\n\n\n\n
Siga los requisitos de su p\u00f3liza<\/h3>\n\n\n\n
Obtenga evaluaciones independientes<\/h3>\n\n\n\n
Comprender la l\u00ednea de tiempo<\/h3>\n\n\n\n
El impacto financiero de la mala fe<\/h2>\n\n\n\n
Gastos de manutenci\u00f3n adicionales<\/h3>\n\n\n\n
Facturas m\u00e9dicas<\/h3>\n\n\n\n
P\u00e9rdida de ingresos<\/h3>\n\n\n\n
Costos emocionales<\/h3>\n\n\n\n
Prevenci\u00f3n: C\u00f3mo protegerse antes de tener que presentar una reclamaci\u00f3n<\/h2>\n\n\n\n
Lea su p\u00f3liza<\/h3>\n\n\n\n
Documente sus posesiones<\/h3>\n\n\n\n
Elija su compa\u00f1\u00eda de seguros con cuidado<\/h3>\n\n\n\n
Comprenda su cobertura<\/h3>\n\n\n\n
Trabajar con ajustadores p\u00fablicos<\/h2>\n\n\n\n
Qu\u00e9 hacen los ajustadores p\u00fablicos<\/h3>\n\n\n\n
Cu\u00e1ndo considerar un ajustador p\u00fablico<\/h3>\n\n\n\n
C\u00f3mo elegir un ajustador p\u00fablico<\/h3>\n\n\n\n
El proceso legal para reclamaciones por mala fe<\/h2>\n\n\n\n
Presentaci\u00f3n de la demanda<\/h3>\n\n\n\n
Descubrimiento<\/h3>\n\n\n\n
Negociaciones de conciliaci\u00f3n<\/h3>\n\n\n\n
Ensayo<\/h3>\n\n\n\n
Da\u00f1os en casos de mala fe<\/h2>\n\n\n\n
Da\u00f1os contractuales<\/h3>\n\n\n\n
Da\u00f1os consecuentes<\/h3>\n\n\n\n
Da\u00f1os por angustia emocional<\/h3>\n\n\n\n
Da\u00f1os punitivos<\/h3>\n\n\n\n
Attorney’s Fees<\/h3>\n\n\n\n
Ejemplos de mala fe<\/h2>\n\n\n\n
El Ajustador Desaparecido<\/h3>\n\n\n\n
El est\u00e1ndar imposible<\/h3>\n\n\n\n
El objetivo m\u00f3vil<\/h3>\n\n\n\n
El especial Lowball<\/h3>\n\n\n\n
Preguntas que debe hacerle a su ajustador<\/h2>\n\n\n\n
Acerca de la investigaci\u00f3n<\/h3>\n\n\n\n
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Acerca de la evaluaci\u00f3n<\/h3>\n\n\n\n
\n
Acerca de la l\u00ednea de tiempo<\/h3>\n\n\n\n
\n
Acerca de sus derechos<\/h3>\n\n\n\n
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Banderas rojas en la comunicaci\u00f3n con el ajustador<\/h2>\n\n\n\n
Respuestas vagas<\/h3>\n\n\n\n
T\u00e1cticas de presi\u00f3n<\/h3>\n\n\n\n
Informaci\u00f3n inconsistente<\/h3>\n\n\n\n
Solicitudes irrazonables<\/h3>\n\n\n\n
El papel de la tecnolog\u00eda en la liquidaci\u00f3n de siniestros moderna<\/h2>\n\n\n\n
Inspecciones con drones<\/h3>\n\n\n\n
Inteligencia artificial<\/h3>\n\n\n\n
Documentaci\u00f3n digital<\/h3>\n\n\n\n
Inspecciones virtuales<\/h3>\n\n\n\n
\u00bfQu\u00e9 sucede despu\u00e9s de presentar una queja por mala fe?<\/h2>\n\n\n\n
La compa\u00f1\u00eda de seguros responde<\/h3>\n\n\n\n
Investigaci\u00f3n<\/h3>\n\n\n\n
Negociaci\u00f3n<\/h3>\n\n\n\n
Resoluci\u00f3n<\/h3>\n\n\n\n
C\u00f3mo elegir la ayuda legal adecuada<\/h2>\n\n\n\n
Experiencia con Mala Fe en Seguros<\/h3>\n\n\n\n
Recursos para enfrentarse a las compa\u00f1\u00edas de seguros<\/h3>\n\n\n\n
Acuerdo de honorarios de contingencia<\/h3>\n\n\n\n
Buena comunicaci\u00f3n<\/h3>\n\n\n\n
Avanzando: Sus pr\u00f3ximos pasos<\/h2>\n\n\n\n
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