Your insurance claim has just been denied. Your property may have been subject to burglary, vandalism, a flood, and even a devastating fire. What do you do? What are your options? Insurance claims can lead to denial for various reasons. We take pride in having worked with property owners who have had their insurers deny their claims. As a public adjuster, we are able to work on your behalf. We can find out why your claim was denied and advise as to what to do next to recover the expenses for your damages.
We will guide you along every step of the way. Here are the procedures you need to take:
- Remain calm. Do not let your emotions get the best of you and end up cursing at your insurance company. This reaction is understandable, but you need to have a clear mind in addressing this issue.
- Review the content of your policy. You may not have done this before filing the claim and were unaware the extent of your policy coverage. Make sure you go over your policy once you’ve been denied a claim.
- Fill out an appeals form. This will have to be done through your insurance company. It may be a lengthy process, but be patient. If you see that they have not mentioned anything about your case after the deadline has passed, then follow up with them.
- If you are still having problems with your insurance company, and your appeal has been denied, you can take a few steps. You can either talk to the superiors that work for your insurance company, or file a complaint against your insurance company with an insurance commission within your state. If all comes to worse, you need to seek a public adjuster who has experience with home owner denied claims and figure out if you have a case.
Reasons for Denial
The denial of your claim can derive from a few factors:
A misunderstanding: You may have given inaccurate details to your insurer. Do not lie on your claim. They may ask you if you have had any previous losses in the past 5 years. Some people may answer “no” to this question in fear that by saying yes, they will have their claim denied or maybe you simply just forgot you had filed a claim and say no. Insurance companies will look for prior claims, so do not lie! If you are unsure, let them know. This can be the reason why they end up denying you. Be truthful, but cautious.
Deterioration, tear, or wear: Policies usually do not cover this. They tend to deny it after a hailstorm or windstorm. Although your shingles may have had wear, the hail and wind damage may have caused your damages. You will need an experienced professional who can determine what caused the damages to your property.
Water leakage or seepage: This is denied if the seep or leak happened for a time frame of more than 14 days. When answering questions, do not intentionally lie to the insurance company, but be very cautious in how and what words you use.
David’s story: He experienced a leak in his bathroom, which resulted in damages to his bathroom, carpeting, and the ceiling and walls of his living room. His insurance company would only offer him $4,749 for the damages, but it ended up being $2,249 after deductibles. This was not enough to fix his damages, and he needed it to be fixed promptly in order to have a well-functioning home. He ended up getting a public adjuster, and it was all worth it because at the end, he ended up receiving 400% more money than the initial settlement.
What We Offer You
If you’ve been denied a claim, and don’t know how to proceed. We are here to guild you every step of the way. We will fight your denied claim and win you the maximum amount of money that is owed to you to pay for your damages. We acquire you the fairest settlement for your damages to be able to make the repairs needed in your property, and regain back your normal routine in your home. Get in touch with us today!