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Insurance claims can be a frustrating, exhausting process, especially when insurers drag their feet, give vague answers, or outright avoid responding. This is when having a specialized claims advocate can make the difference between getting what you truly deserve or settling for a ridiculous offer that feels like an insult.

In this article, we’ll show you the key situations where hiring a professional to handle your claim is the smartest decision you can make — and why it can be the key to a successful and stress-free resolution.

1. Complex Claims or Major Losses

One of the clearest moments to seek help is when your claim involves large-scale or complex damages — for example, flooding (DANA storms), fires, or severe hailstorms.

Assessing the full extent of these damages and quantifying them correctly can be overwhelming if you don’t have experience. Insurers often minimize payouts and take advantage of the policyholder’s lack of technical knowledge. A claims advocate ensures that every damage is properly evaluated and that you receive a fair settlement.

2. When the Insurer or the Consortium Makes a Ridiculous Offer

You’ve been through a traumatic event, handled all the paperwork, and expected a fair payout. Instead, the offer you receive is far below what you need. Unfortunately, this is a common tactic used by insurers to save money.

A claims advocate will analyze the offer, negotiate with solid arguments, and fight for a payout that reflects the true value of your losses. Remember: insurers are not on your side — but an advocate is.

3. When Insurers Blame Each Other

It’s common to see two insurers passing responsibility back and forth while the customer is left in limbo. Imagine your neighbor’s plumbing floods your apartment — your insurer blames theirs, theirs blames yours, and meanwhile you’re still waiting.

A claims advocate steps in, assigns clear responsibility, and gets the case moving. This saves you time, stress, and gives you peace of mind.

4. When You Don’t Know Your Rights

Many people don’t fully understand their rights when filing a claim. This can lead to missed deadlines, accepting unfair offers, or not knowing how to appeal a rejection. A professional advocate guides you, explains the process, and gives you an independent expert opinion.

Beyond the technical side, a good advocate understands the emotional toll of these situations. They provide a human touch, listen to your concerns, and make sure your rights are respected.

5. The Added Value: More Compensation, Less Stress

Yes, hiring an advocate comes with a cost — but it usually pays for itself with the additional compensation they can secure. Claims advocates are skilled negotiators who know insurer tactics and how to maximize the outcome.

Just as importantly, they take over the process so you can focus on your life. No more endless calls, confusing paperwork, or constant stress.

Why Hiring an Advocate Is a Smart Move

Hiring a claims advocate is not just logical, it’s strategic. It turns a frustrating process into an opportunity to obtain a fair settlement quickly and efficiently. Whether it’s a large-scale disaster, a lowball offer, or a stalled case, having a professional by your side is a game-changer.

At MataSeguros, we specialize in defending policyholders’ rights. Our team knows how to maximize compensation, speed up procedures, and minimize your stress. If you want a fair, human, and professional approach — we’re here to help.