To improve your chances of getting an insurance claim paid, understand your insurance program and coverage thoroughly. Review policies and ask questions about coverage for different loss scenarios. Involve your insurer promptly after a loss, as timely notice is crucial. Never accept an initial denial; advocate for your coverage with your broker or a coverage attorney. Pay attention to reservation-of-rights letters, as they indicate potential coverage issues. Collaborate with your broker and coverage counsel to navigate disputes effectively.
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