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What happens if the insurance company won’t budge on their offer?

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… If the insurance company is refusing to move the claim forward or refusing to continue to adjust the claim or it’s just flat out denied, you’re in a position where you’re going to need to seek professional assistance. Now at that point, you’re going to want to make sure that you’ve met all of your post loss obligations. If you’re uncomfortable with pushing the issue further with the insurance company, it’s strongly recommended you contact a professional adjuster or an attorney for additional legal advice, and seek whatever matters of recourse you can find.

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