N.C. Mediation Program Helps Resolve Storm Damage Insurance Claims
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Insurance Commissioner
The Disaster Mediation Program was created to help homeowners resolve disputes with their insurance companies over claims arising from disasters declared by
Eligible policyholders in those counties can request mediation if they have had claims for residential property damage partially or completely denied by their insurance company. During a mediation conference, an independent mediator with no connection to the insurance company will facilitate discussion between the insurance company and the policyholder to help them reach a resolution.
"I want to make sure that the insurance claims process goes as smoothly as possible for our citizens," Goodwin said. "Mediation can help homeowners resolve disputes with their insurance companies in a fair and timely manner."
Disaster Mediation Program details:
* Mediation is free for eligible homeowners. Commercial property policies and auto policies are not eligible for mediation.
* Requests for mediation must be made within 60 days from the date the claim was denied. Homeowners should notify their insurance company of the request.
* Homeowners must have a disputed claim in which the insurer has denied payment in whole or in part. The dispute must be over the insurance company's findings on the cause of the loss or the amount of the loss.
* The total amount of the claim, or the difference in position between the policyholder and the insurer, must be at least
* Disputed claims do not include claims denied because of policy exclusions, terms or conditions, or because the policy was not in force at the time of loss.
* Mediators facilitate discussion and negotiation between the parties but do not make a decision on the claim.
To learn more about the Disaster Mediation Program, visit www.ncdoi.com/Consumer/Consumer_Disaster_Mediation.aspx or call the
Additional information will soon be available through program administrator the
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