What to Do When An Insurance Property Claim is Denied

There are few things more frustrating than having your insurance claim denied. Whether it’s for a damaged roof, burst pipes, or a  fallen tree –  being denied by your insurance company could leave you feeling helpless. But don’t worry - there are steps that you can take if your insurance company denies your claim. In this blog post, we’ll tell you what to do if your insurance claim is denied.

1. Find out why your claim was denied.

The first step to take is to determine the reason why your claim was denied. Your insurance company should have sent you a notice that explains the reason behind the denial. If you’re unsure you can contact your insurance agent and ask them why your claim was denied.

2. Review your insurance policy.

Make sure you read through your insurance policy to ensure you understand what coverage is included and what is excluded. Your denial notice should also provide information on what part of the policy prevents coverage.

3. File an appeal.

Once you know why your claim was denied, check if there’s an appeals process. Insurance companies are required by law to have a claims appeals process. If you qualify, take advantage of this process and file an appeal. Your insurance agent or adjuster can help you with this process. 

4. Obtain a written report.

If the insurance company still denies your claim after going through the appeals process, request a written report from them explaining why your claim was denied. This documentation may assist when you are working with an attorney.

5. Hire a public adjuster.

Finally, as a last resort, you can hire a public adjuster. Public adjusters are professionals who can advocate on your behalf to the insurance company. They are experienced in interpreting policies and can identify any loopholes that would help your case. Public adjusters have a license from the state and are held to strict ethical standards.

Conclusion

If your claim has been denied, don’t give up hope. It’s essential that you take action if your insurance claim is denied. Start by finding out why your claim was denied. Don’t be afraid to go through the appeals process or hire a public adjuster. If you are looking for a Public adjuster loss adjuster in South Florida, contact Five Star Claims Adjusting today. They will provide a free inspection and assist you in getting the compensation you deserve.