Disclaimer: This FAQ is for informational purposes and does not constitute legal advice. Consult a qualified Maryland attorney before making decisions.
Detailed Answer
Establishing direct communication with the claims adjuster reduces delays and promotes transparency. Follow these steps:
- Locate Your Policy and Claim Number. Gather your insurance policy, declarations page, and any claim reference number. This information will help the adjuster verify coverage and open your file promptly.
- Review Maryland’s Unfair Claims Settlement Practices Act. Under Md. Code Ann., Ins. § 27-303, insurers must respond to communications within 15 days. Familiarize yourself with these timelines.
- Prepare a Formal Written Request. Draft a clear letter or email stating your full name, claim number, date of loss, and the purpose of the communication. Request the adjuster’s direct contact information (phone number and email).
- Send via Certified Mail or Confirmed Email. Use certified mail with return receipt, or request a read receipt for email. This creates a record of your outreach and date of receipt.
- Follow Up by Phone. After 5–7 business days, call the insurer’s claims department. Provide your claim number and ask to be connected to the adjuster handling your case.
- Maintain Written Records. Document dates, times, names, and summaries of all conversations. Save copies of letters, emails, and certified mail receipts.
- Escalate if Necessary. If you do not receive a response within the timeframe required by Md. Code Ann., Ins. § 27-303, request to speak to a claims supervisor or contact the Maryland Insurance Administration via insurance.maryland.gov or at (410) 468-2340.
- Consider Legal Representation. If communication stalls or disputes arise, you may wish to consult a Maryland attorney and protect your rights under Md. Code Ann., Cts. & Jud. Proc. § 5-101 (statute of limitations for bodily injury).
Helpful Hints
- Be concise and polite in all correspondence.
- Keep a single file (digital or physical) for all claim-related documents.
- Verify the adjuster’s preferred method of communication (email vs. phone).
- Set calendar reminders for follow-up deadlines.
- Ask the adjuster to confirm receipt of all documents in writing.