What Your Insurance Company Doesn't Want You To Know Regarding Your Insurance Claim

What Your Insurance Company Doesn't Want You To Know Regarding Your Insurance Claim

Whether your property damage is minimal or extreme it is important to contact your insurance company promptly to discuss your claim. It is important to be prepared to present your claim because regardless of how well you know your agent and how well you pay your premiums, the first response may not properly address all the damage. The goal is always to get back to the original condition of your property, no better and certainly no worse. Insurance companies often find ways to deny your claims or offer very small values that clearly won’t cover all of the damage. Many policyholders see how long it takes to get that far and it discourages them from challenging the denial of their insurance claim. Insurance companies expect this; therefore, they often deny, delay, or defend claims. Insurance companies know there are not many who will search through their policies and seek outside sources to help them through the stressful process. Insurance properties seek profit so they aren’t always going to cover all that they should based on the policy and the premiums you pay. It is in your best interest to search and see if you can push your claim and receive greater coverage for the damage.


  1. alexi on May 27, 2022 at 10:19 pm

    Best presentation, thanks

  2. Lisa Robertson on May 27, 2022 at 10:21 pm

    Im being sued for a dog bite. My dog did not bite. My insurance adjuster is not cooperating with me in getting my info and pictures of my dog. She dont answer the phone or return my calls just phone tag. Theyre saying im not cooperating but i have done everything they asked. She said she didnt get my phone pictures i emailed her. I told her go to youtube and tiktok and get it from my videos i made. And shes not helping me. What do i do. Theres nothing more i can do. I cant mail her my phone to get my pictures. If she cznt retrieve them then she needs to get someone to help her get them from my email instead of just not doing znything and saying im not cooperating.

  3. Ricardo Trejo on May 27, 2022 at 10:22 pm

    This is the conversation that I had with my State Farm Roof Appraiser this morning, " The State Farm Roof Hail Storm adjuster denied that my roof is damaged severely for a new roof. Even-though several of my neighbors on my street have and have gotten new roofs.
    The State Farm Adjuster mentioned that I should take the $2800.00 dollars that they are paying for the damages to my roof and put it in the bank instead of getting a new roof that I do not need.
    This sounds very frustrating to me since my insurance rate may increase to pay for all the new roofs that my neighbors have gotten. My roof is approximately 10 years old. Insurance companies are guaranteed to make a profit.
    For now I will wait and see how much State Farm Insurance will pay for my roof damages. Also, recommend that I removed the diverter on my gutter that could cause the leak in my gutter.
    Now I have two State Farm Insurance adjusters that have turned
    down my claim for a new roof. They make me feel like my neighbors claims are not Ligitimate and I that my neighbors are taking advantage of the insurance industry.

  4. Christina Marie Hicks on May 27, 2022 at 10:25 pm

    Salems best gee ..thieves all of you..

  5. JoAnn Thomases on May 27, 2022 at 10:27 pm

    Explain this 179 bs salvage claim/write off of 125,000. On cars over 6,000 lbs…Thank you !!!!!

  6. Christina Marie Hicks on May 27, 2022 at 10:29 pm

    Aunt christina hicks..but u know that..

  7. CAPTAIN AMERICA on May 27, 2022 at 10:30 pm

    Hello so a big truck hit my home around 4th July guy hit two cars then my home one contractors estimate is reaching 30 k but he snowball effect on life I had home sold it was remodeled and being painted outside day was hit never was finished had to pay them anyway or get sued. The guys insurance lady offered couple thousand I said no they hired frontier adjusters they come out and agree much more than that but they work for guy who hit my home they said. I feel I need attorney s I was told it was 3000 dollars just hall all the ruble away in semi rented dumpster then rebuild porch permits shrubs 50 years old concrete damage so three contractors carpenters. Masons. Landscape I have done all these things and built the addition on home roofed it siding on it I could have fixed it already been a month if had money. And possibly kept labor money for self to get something for all the trouble. Help.,. Sos

  8. Christina Marie Hicks on May 27, 2022 at 10:33 pm

    Scammer forgery fraud..

  9. Natasha and Pedro Cantres on May 27, 2022 at 10:35 pm

    I need a good lawyer

  10. Squirrel talk on May 27, 2022 at 10:35 pm

    So true. I’ve come to realize that the first response will nearly always be denied. Protocol

  11. Sun Tex on May 27, 2022 at 10:36 pm

    Thank you for sharing! 🤝 It’s very easy for an auto insurance company to collect a monthly or annually premium from its customers, and it’s even easier to inspect damage claims and not cover the entire loss 100%. 🧐 Then, what’s the purpose of even paying an auto insurance premium if a loss claim is easily objected and denied?! 🤔

  12. Kathy liin on May 27, 2022 at 10:37 pm

    Is it legal for a insurance company to buy out another, and not notify their clients of such a transfer of their account?

  13. Christina Marie Hicks on May 27, 2022 at 10:40 pm

    Im pissed..

  14. April Ferrier on May 27, 2022 at 10:42 pm

    Insurance company’s wanna bend you over.

  15. mcrick on May 27, 2022 at 10:43 pm

    AS nice as you are you told me nothing

  16. TRip Piper on May 27, 2022 at 10:43 pm

    Is it illegal in Illinois to use insurance payout for damages done to your car to pay off your car?

  17. April Ferrier on May 27, 2022 at 10:44 pm

    Lawyer up

  18. Mike Finley on May 27, 2022 at 10:47 pm

    All law is corrupt … Former attorney for the Oregon State Attorney General work comp. "All law is corrupt." – Eugene Platt. Just look at Portland now.

  19. Cassandre Beauvais on May 27, 2022 at 10:47 pm

    Hello Merlin Law Group
    I need help
    Can I have a consultation please?

  20. Christina Marie Hicks on May 27, 2022 at 10:47 pm

    Gee u n borcherdine run out of money..

  21. Super Fly on May 27, 2022 at 10:48 pm

    Insurance are very hard to deal with and lawyers want to eat up your money. Either way you the innocent law abiding citizen is fucked.

  22. Christina Marie Hicks on May 27, 2022 at 10:50 pm

    Changed car insurance around completely..im only covered ..

  23. Christina Marie Hicks on May 27, 2022 at 10:54 pm

    No ..nothing nationwide ever..

  24. Natasha and Pedro Cantres on May 27, 2022 at 10:54 pm

    Never bye liberty mutual insurance they are the worst my house got damage do to huracán wind and water 💦 in they said the my house was like that all ready they are no good but God will send a gift to the company wow I love fighting they mess with a costumer that is going to let the nation know how bad liberty mutual is that worse company they are not a trust company Liberty mutual. Is a scam iam going to court in iam goint to make a you tube video about because I know God is with me in if iam with God I will wind they will be fine guilty liberty mutual in iam goin too call the state insurance commissioner

  25. Anthony Rose on May 27, 2022 at 10:55 pm

    She’s 1000% correct the insurance industry make profits all the time and leave clients with crumbs. Awesome video thank you for informing the truth.

  26. Mike AtGoogle on May 27, 2022 at 10:55 pm

    I love your advice TODAY.

  27. Christina Marie Hicks on May 27, 2022 at 10:56 pm

    Dont have no insurance claims ..joel hicks..

  28. Bing Bong on May 27, 2022 at 10:56 pm

    What sucks is my whole life when people ask I tell them insurance companies always tell you NO the first time around. I also tell them cities and public benefit programs are the same way and have gotten worse. Obama made it mandatory for the few good companies left had to do these same tactics or go out of business. All this was true almost the second the Obama administration took office. They were the worse so far. Everything illegal and bad about realty insurance, all insurance, big pharma, education, fake education, college fund scams, pill mills, government assistance in many forms was made worse or plain legal when Obama took office. The bad thing is my girlfriend never listens to me and lets her home insurance push her around all the time. They denied all her claims even though all the claims are covered. She just thinks if it was covered then they would jump to fix it. I asked her "well I don’t have $3,700 for a new A/C to be installed, do you?" That was the last claim she made here in the middle of summer. I got us a $130 window unit. I stay in the 1 room when I come over!

  29. Christina Marie Hicks on May 27, 2022 at 10:56 pm

    Jason here too..

  30. Christina Marie Hicks on May 27, 2022 at 10:58 pm

    Im very much alive…mom is not nor dad ..killers..

  31. Christina Marie Hicks on May 27, 2022 at 10:59 pm

    Good day..

  32. Christina Marie Hicks on May 27, 2022 at 11:01 pm

    No medical insurance either cancelled ..

  33. Christina Marie Hicks on May 27, 2022 at 11:01 pm

    Meaghan ..

  34. Silent Supreme on May 27, 2022 at 11:01 pm

    Merlins beard

  35. ChasityN Liggett on May 27, 2022 at 11:02 pm

    Lost my house n business all in one..I’m self employed… but I have no clue what happened… I just know I’m stressed… with a disabled kid.. in a hotel… n I think they are getting a kick out of our destress… wich is sad..

  36. Christina Marie Hicks on May 27, 2022 at 11:05 pm

    Changed wording policy..

  37. Jay nuya on May 27, 2022 at 11:06 pm

    Thanks for your information, I’ve been screwed by toggle insurance company and don’t look like I’m the only one.

  38. Christina Marie Hicks on May 27, 2022 at 11:07 pm

    Your new lifestyle amazing forgery fraud id theft etc..

  39. Haley Woods on May 27, 2022 at 11:07 pm

    Oh look.. it’s another person responsible for all the AOB’s pay outs, false claims, premium increases, and under writing getting strict on what they’ll accept.
    You hurt home owners more than help. Especially the home owners who are on a budget. 🧐🙄

  40. Lyonosze1 Josephine12 on May 27, 2022 at 11:09 pm

    I need help! My TV got struck by lightning and my TV got warranty and was replaced but i have rental insurance that cover’s my TV, should I call them and lay claim?

  41. John Dough23 on May 27, 2022 at 11:09 pm

    Profit is not the same as money gained thru criminal practices.

  42. Christina Marie Hicks on May 27, 2022 at 11:09 pm

    Selling my ssa number for fun..ricky phyllis..

  43. Dilan Eades on May 27, 2022 at 11:10 pm

    Anyone ? My car was totaled and I have something on my insurance called Replacement coverage what does this mean ? (they do not make my car no more stopped making it ) Will the check come in my name for a brand new car in todays inflation or will it be in my name and the insurance name so I’m forced to go buy a car before the check expires ?

  44. Christina Marie Hicks on May 27, 2022 at 11:12 pm

    Playing with eric terlizzi..

  45. Christina Marie Hicks on May 27, 2022 at 11:12 pm

    Ive had no accidents since 1994..

  46. Christina Marie Hicks on May 27, 2022 at 11:13 pm

    Charges filed..

  47. Gigi Schuster on May 27, 2022 at 11:13 pm

    Fact a Service Dog like anything medical is required an RX and case for, The online courses for training through Organization and basic classes are up to $10,000 way less than the $20,000 + Service Dog Facilities want to charge. With no help from the U. S government cause you haven’t served, let down by Medical Insurance Companies who refuse to help cover the necessary training for the Service Dog, it’s for civilians especially all out of pocket.

    Being on disability and told you can’t do go fund me or you will loose SSI you need while trying to get a Service Dog is humiliating and degrading, while Medical Insurance Companies refuse to help you cover the expenses because they refuse to accept the fact a Service Dog is a lifeline and medical equipment it disgusts me they are part of the Opiods Crises, and when time and again other none harmful opportunities to make a medical difference for Veterans as well as CPTSD Survivors like me as a female civillan in helping cover the costs of a Service Dog they absolutely refuse and will not acknowledge Service Dogs and the facts that prove they are an healthier alternative decision for healing and rehabilitation than being stuck popping opioids for rest of someones life that do nothing but mask or bandage the condition. I and so many women who are feed up with how our government continues to push the opioids pharmaceutical crises agenda with their medical insurance companies and continue to ignore and refuse alternative treatments like EMDR or Service Dog and make excuses to justify not helping those who would truly benefit from either, but being on disability can’t afford to without financial help because insurance won’t cover it.

  48. Christina Marie Hicks on May 27, 2022 at 11:13 pm

    Smith group ..lol..

  49. Christina Marie Hicks on May 27, 2022 at 11:16 pm

    Had my memorial ..intriguing …ssm hospital..u think..

  50. Christina Marie Hicks on May 27, 2022 at 11:17 pm

    Federal courts..u think..

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