You’ve filed a claim with your insurance company, but they’ve denied it. How can this be? What can you do now?
Here is what to do if your property insurance claim has been denied.
Take a Deep Breath
You’re probably feeling angry and frustrated to have been denied an insurance claim. You may be wondering why you even bothered to submit that claim in the first place. Take a deep breath and remind yourself that you can appeal the decision, if necessary, but first, it’s important not to make any rash decisions that could cost you money down the line.
Have a Licensed Public Adjuster Review Your Claim
If your claim has been denied, you should contact a licensed and experienced public adjuster. They will review your claim and assess what needs to happen next.
They will help you navigate the claims process and get you the compensation you deserve. They are specially trained to negotiate with insurance companies and provide advice on how to maximize your payout. A public adjuster will also help you understand why your claim was rejected, provide recommendations for the next steps in your case, explain how the appeal process works, and take care of all the heavy lifting for you. Is it their job to represent you and you only.
Make a List of All Documents Related to Your Claim
If your claim has been denied, it’s important to maintain a list of all documents related to the incident. This includes insurance policies and photos and video of any damage to property. Keeping all relevant paperwork in one place will make life easier for both you and your public adjuster. If you don’t have copies of these documents—or if they were lost during the process—you’ll want to ask your insurance company for them.
Ask For a Written Response to Your Denial
If you are denied, ask for a written response as well as the estimate, if they prepared one, and any third-party documentation they may have, if they hired someone to inspect the claim. Or, if you hire a public adjuster, they will take care of all this for you. As mentioned, you should receive the response within 60 days of submitting your appeal. If there is no evidence to support the denial, then you have grounds for asking that it be reconsidered.
Keep a copy of the letter that you submit to the insurance company and write down the date that you submitted it. This will help keep track of when things happen and ensure nothing falls through the cracks.
Contact Us Today
If your property insurance claim has been denied, you don’t have to give up. You can take steps to make sure that your insurance company fulfills its legal obligations. The first step in that process should be hiring a licensed public adjuster to help you through the entire process.