If there is one thing that insurance companies are famous for, it is promising to cover you in certain cases and then doing everything they can to weasel their way out of having to give you a dime. While most renter’s insurance companies are known for being faithful to their customers, there could come a time when you have a dispute. While there is no magical handbook for winning an insurance dispute there are some things you can do to help strengthen your case.

First, be sure to meticulously document everything. Have photographs of everything you have insured in your home as well as original receipts if possible. Have copies of your contract and even consider storing a copy at a friends in case you have a fire. Once you have filed your claim, be sure to go and document everything at your apartment, whether it be break in damage, fire damage or anything else. The more hard evidence you have, the better off you will be.

Next, stay calm. This can be especially difficult since you have just gone through a traumatic incident and the last thing you need is an insurance adjuster telling you that your claim is denied. Most insurance companies have an appeal process that you can go through to help prove your case.

Finally, if you don’t know where else to turn, consider getting a free consultation with a lawyer. He or she can take a hard look at your policy and see what your legal rights are. It may be that the company you chose is being sued by other disgruntled customers and you may be able to join in on a class action suit. If you are positive that your claim should be granted, don’t give up without exploring all of your options.