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This is when you should consider consulting an attorney. Many reputable attorneys will provide free initial consultation. Many attorneys provide advice on how to re-open an insurance claim or how to get it resolved without having to obtain legal help. Sometimes, simply asking for a new adjuster or having an attorney send a factually accurate letter requesting reconsideration is all that is needed to get an insurance company to investigate and evaluate the claim from a different perspective.
 A consumer complaint to the Insurance Commissioner may help as well. If all else fails, a policyholder should consult an experienced and reputable attorney regarding their policy rights. If the case has merit, many attorneys will represent a policyholder on a contingency fee basis and even advance the costs for litigation, which means it costs the policyholder nothing upfront. The attorney is only paid a percentage of the amount he recovers for the policyholder. Finally, a wrongful denial causing you additional damages not covered under the insurance policy may be recoverable through a bad faith claim, and you will need an attorney’s help in that case.