What can I do to force insurance company to remove erroneous claim settlement information off of insurance databases?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 13, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Atlanta, GA
Asked on 07/13/2012
What can I do to force insurance company to remove erroneous claim settlement information off of insurance databases? My name appears on insurance databases reflecting that I received a $20,000 settlement from an insurance company for a homeowner’s claim filed August 2011 by my ex-husband. We were divorced November 2010 and I vacated the house December 2010. The insurance agent said the check was made out to only my ex-spouse because he provided a copy of the divorce decree. I asked the agent why my name was NOT removed from the policy. After talking with several people at the insurance company for 2 hours they said their system would not allow them to correct the error. The insurance company I tried to get homeowner's insurance with has denied me and others gave me astronomical quotes because now I am considered a "high risk." Please advise.
Answer given on July 13, 2012
If you were still on title for the home at the time of the claim, then the check should have been made payable to you and your ex-husband. If the divorce decree shows that the home was only in your ex’s name, then the check would have been made payable to him. However, the insurance company should have removed your name from the policy, and the claim should not be showing under your records.If you can provide evidence that you were not a resident of the home when the claim was filed, along with a copy of the divorce degree and a copy of the claim check, you should be able to convince a new insurance company that the claim was not yours, but your ex-husband’s. Try providing the agent you are working with for the insurance with the evidence that you were not a resident of the home and provide a copy of the claim check. These two pieces should enable the agent to talk to the insurance company and get you accepted without a claim showing against you.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.