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Reviewed by Lucinda E Clarke for Readers' Favorite
How to Make Your Insurance Company Pay by Aram Shah is a very comprehensive guide to the way insurance companies operate. A table early on in this book shows us the shockingly low level of claims that are actually paid out, less than fifty percent. The business of insurance is not to pay out but to willingly take your money each month. When buying a home, it is the law to insure it, but the terms we most often hear are denied, delayed, and underpaid. Shah takes the reader step by step through the deck of cards that is stacked against the homeowner, beginning with choosing the best insurer, to combing through the policy, noting exceptions and get-out clauses. Covering mostly roof repairs and pipe leaks in Florida, he itemizes all the problems that can arise and how you can prove the company pays out. There are dozens of pitfalls, from correctly documenting damages, through to who to approach for backup, all the way to litigation. Each aspect is carefully explained, with great advice but also the pitfalls at every stage.
Although I don’t live in Florida, insurance is similar the world over. I wish that I had read How to Make Your Insurance Company Pay before I made claims in the past. I was aghast at some of the legal, yet underhanded ways that these giant conglomerations avoid awarding cash for damages. You may think you are covered, but are you? Aram Shah answers that vital question with real knowledge from a lawyer who has spent years helping clients with insurance claims. There is so much that I was unaware of, only that the biggest buildings in town were occupied by insurance companies. If you are even thinking of buying a home, then grab this book first and read it carefully, and then refer to it the moment something goes wrong and you want to make a claim.