I’m not a big fan of arbitration.  I think it costs too much (which kind of goes against its main marketing point), and I don’t particularly like the fact that there’s no right of appeal absent the arbitrator committing fraud. Having said that, and with so many Sandy-related claims still pending in New Jersey, I

Settling complex insurance claims involving multiple carriers can be like playing three-dimensional chess. (Since I can’t even play one-dimensional chess, that means it’s really difficult.) I once had a multimillion-dollar environmental insurance coverage settlement fall apart because one of the participating carriers would not assume an extra 1% of the coverage, despite (or perhaps because

Over at Settlement Perspectives, they have some good advice about working with your insurance carrier to resolve disputes.  These include: “Insurers hate surprises.  Communication is key.” 

I will add the following.  You must observe the rules of the ritual.  Insurance companies are huge bureaucracies, and like all bureaucracies, they have their sometimes arcane procedures for getting