What should an insured do if they wish to contest a decision made by a surplus lines insurer?

The best course of action for insured individuals who want to contest a decision made by a surplus lines insurer is to review the policy for dispute resolution processes. Insurance policies often contain specific clauses outlining how disputes should be handled, including any formal procedures for appealing decisions or filing complaints. These processes can vary widely between different insurers and types of coverage, so understanding the policy's terms is essential for navigating the situation effectively.

By following the specified procedures, the insured is more likely to address their concerns in a structured manner, which can lead to a more favorable outcome. Engaging in the established dispute resolution mechanisms not only helps in formally contesting the decision but also preserves the insured's rights and makes the process clear and manageable.

While seeking legal advice may be beneficial in some circumstances, it is typically more productive to first explore the options outlined within the policy itself. Ignoring the decision can lead to further complications or loss of coverage, and abruptly changing insurance companies without notice can disrupt coverage and may have other adverse implications. Therefore, reviewing the policy is the most prudent first step in contesting a decision made by a surplus lines insurer.