Five Steps to Take When Your Insurance Claim Is Denied
You are frustrated because your insurance company just denied your claim. When you have suffered damages to your home, you want your homeowners’ insurance policy to kick in to cover the costs to repair and restore the property. You want your insurance company to work with you, but they just denied your claim. Now what do you do? As public claims adjuster in South Florida, we help many homeowners with this very issue. These are a few steps you can take when your insurance claim has been denied.
Review Your Insurance Policy
One of the best ways to prepare yourself to appeal your insurance company’s denial is to thoroughly review your insurance policy. This means that you will need to review each term of your policy with a fine-tooth comb. Take the time to familiarize yourself with all of the coverages so that you understand each aspect of your policy. When reading the policy, you may find out that the damages you have suffered are not truly covered by the terms of your policy. However, if you do not find that information, you will likely have a case.
Review the Denial Letter
After reading the insurance policy, you also need to spend time reviewing the denial letter sent by your insurance company. It should outline the reasons for the denial, which can provide you with some clarity for what occurred. If you are still confused after reading the letter, you will want to speak with a representative from their company to receive clarity.
Collect Evidence and Other Documentation
To prepare for an appeal, be thorough in your collection of any receipts, picture, evidence, and other documents that can support your case. Take your time to collect everything and organize it so that you are ready when the insurance claim process restarts.
Appeal the Denial
Appealing the denial will bring the matter to your insurance company and alert them that you believe you still have a case. After the appeal, they will look at all the evidence and documentation you’ve provided, and things will move forward from there.
Work with a Public Adjuster
One of the best things you can do to prepare yourself for the appeal is to work with a professional public adjuster. These individuals can increase your changes that the denial will be overturned. They have the expertise to inform you of your rights as a policyholder and homeowner, and they can help you fully understand the terms of the denial and the insurance policy. When you are going through this process, you will want a skilled advocate by your side to keep you informed and empowered to fight this battle.
By taking these steps, you can hopefully work with your insurance company to come up with a resolution for your claim. IF you are frustrated by the property claims process with your insurance company, you will want to trust that you have your own advocacy in place. Contact our public claims adjuster in South Florida to hear how we can advocate for you today.
