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Real Estate Agent Dispute — insurance company denying valid claim

Started by anon_renter_2026 · Aug 18, 2025 · 1,439 views · 22 replies
For informational purposes only. This is not legal advice. Laws vary by jurisdiction. Consult a qualified attorney for advice specific to your situation.
AR
anon_renter_2026 OP

I'm dealing with a situation and need some guidance.

insurance company denying valid claim. I've been dealing with this for about 6 months now and the situation isn't improving.

I have already consulted briefly with a lawyer but did not get a clear answer.

What's the typical outcome in situations like this?

IG
InsuranceGuy_FL

Not a lawyer, but I have direct experience with this.

What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.

TL
Mod_TermsLaw Moderator

Attorney here. Here's my take on the legal issues.

This is a common situation and the law is fairly clear. Under the relevant statute, actionable.

One important thing — there are strict deadlines for filing these claims. Don't wait too long.

DB
desperate_business_owner_question

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

SB
SmallBizOwner_NYC

I went through almost the exact same thing.

The biggest mistake people make in this situation is filing with the appropriate government agency. I'd recommend gathering evidence first instead.

AB
AgentBroker_TX

Not a lawyer, but I have direct experience with this.

The biggest mistake people make in this situation is escalating to a supervisor/manager. I'd recommend following the formal complaint procedure instead.

AF
asking_for_friend_parent_CO

Have you tried reaching out to your state's consumer protection office? They sometimes have free resources or mediation services.

HC
HRManager_Chicago

Not a lawyer, but I have direct experience with this.

In my case, it took about 3-6 months to resolve. The key was having everything documented.

PB
PatentAgent_Boston

I've seen this play out several times in my field.

I ended up hiring an attorney to send the initial letter, which cost about $2-4 but saved me a lot more in the long run.

TA
TenantRights_Advocate

I went through almost the exact same thing.

I ended up escalating to a supervisor/manager, which cost about $1-3 but saved me a lot more in the long run.

SB
SmallBizOwner_NYC

I've dealt with this before.

I ended up hiring an attorney to send the initial letter, which cost about $2-4 but saved me a lot more in the long run.

WP
worried_parent_TX

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

FT
first_time_worker_2024

I had a similar issue and ended up consulting with an attorney. It was worth the $200-300 for the initial consultation just to understand my rights.

CD
confused_driver_2023

I work in this industry and unfortunately this is very common. The good news is that when people actually push back with legal representation, companies usually settle.

LT
LandlordTom_TX

Not a lawyer, but I have direct experience with this.

The biggest mistake people make in this situation is hiring an attorney to send the initial letter. I'd recommend being patient with the process instead.

IG
InsuranceGuy_FL

I've dealt with this before.

I ended up hiring an attorney to send the initial letter, which cost about $2-4 but saved me a lot more in the long run.

LT
LandlordTom_TX

I went through almost the exact same thing.

The biggest mistake people make in this situation is escalating to a supervisor/manager. I'd recommend following the formal complaint procedure instead.

FT
first_time_homeowner_WA

NAL, but from what I've read, you should document everything. That said, definitely get a lawyer to look at the specifics.

RM
RestaurantOwner_Miami

I've dealt with this before.

The biggest mistake people make in this situation is having everything documented. I'd recommend keeping a detailed timeline instead.

IG
InsuranceGuy_FL

Not a lawyer, but I have direct experience with this.

In my case, it took about 3-6 months to resolve. The key was having everything documented.

AT
anon_trader_IL

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

RL
RetiredLawyer_FL

I went through almost the exact same thing.

What worked for me was filing with the appropriate government agency. It took 4-8 months but was worth it.

FW
frustrated_worker_TX

I work in this industry and unfortunately this is very common. The good news is that when people actually push back with legal representation, companies usually settle.

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