We see it all the time. You have property damage, so you go through your insurance company to get money to pay for getting the damages fixed. They give you a check and you start work. But you realize, you don’t have enough money. A lot of people give up at this stage, they don’t want to deal with negotiating with their insurance company to get more money. It’s a pain, we understand that. But they never ask this question:
Can you get more money from an old insurance claim in RI?
Believe it or not, you can!
Most people don’t know that you can get more money from an old insurance claim in RI if your claim follows these rules:
- You had fire damage in the past 2 years
- You had any other kind of covered property damage in the past 10 years (water, mold, storm, etc.)
If you meet the above statute of limitations, you can go back into your old claim to get more money from your insurance company!
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How Do I Go Back Into An Old Insurance Claim in RI?
Leave the guessing work of going back into an old insurance claim in RI to your trusted public adjuster. A public adjuster will be able to contact your insurance company for you to begin the renegotiation process. You’ve already dealt with going back and forth with them, why don’t you let a professional take of everything to make sure that this time you get all the money you need to fix the rest of your damages?
Can I File For An Old Insurance Claim in RI If I Never Filed In The Beginning?
Yes! Even if you had property damage and never filed an insurance claim, you can still file a claim. As long as you meet these requirements:
- You had fire damage that you never filed a claim for in the past 2 years
- You had any other kind of covered property damage in the past 2 years (2 years from the date of loss)
It is even more important to use a public adjuster for an old insurance claim in RI because your insurance company is going to do what they can to deny your insurance claim due to its age. Even if you meet the above statute of limitations, your insurance company isn’t going to want to pay for the damages. By using a licensed public adjuster in RI, they will represent you to your insurance company to make sure nothing is said that would cause a denied insurance claim.
Why Would I Need More Money For An Old Insurance Claim?
There are a few reasons why people go back into old insurance claims in RI.
Most commonly, homeowners accept whatever offer their insurance company gives them for their property damage. A typical homeowner won’t know the extent of their damages and will trust their insurance company’s adjuster. They start the process of fixing the damages end up running out of money.
A lot of times with roof damage, it might take some time for the true extent of the damage to show. You see a missing or broken shingle, you file a claim, and your insurance company pays to fix the roof. But what sometimes gets missed is the water damage! Water can sometimes take a long time to go through the insulation in the ceiling/walls. It can take weeks or months after roof damage to see staining from the water on your ceiling or walls.
After a water damage loss, it may take a few weeks for a mechanical system to fail. Things like a boiler, AC unit, hot water tank, and more can fail a few weeks after you have water damage and originally weren’t properly diagnosed by your insurance adjuster. A public adjuster can go back into your water damage insurance claim and tie the mechanical system failure to the water and get the repair/replacement paid for.
Another really common reason why people go back into old insurance claims in RI is that mold was originally at the property and wasn’t addressed by the insurance company. A lot of times they don’t see mold even if it’s right in front of them. This happens for one of two reasons; they don’t know what mold looks like or they see it, but they don’t mention the mold to the homeowner when they absolutely should have. Mold is a dangerous thing to miss due to how quickly it can grow and spread along with the health issues that come along with it.
If you had property damage in the past 10 years (or 2 years if you had fire damage), you can still get more money for your insurance claim. It’s as easy as calling us at 401-724-9111 or filling out this quick form below. Consultations are always free, and no strings attached. If you believe your insurance company didn’t give you enough money the first time around, we’ll make sure they do when we get involved!