What to Do When Your Insurance Company Denies Your Claim

What to Do When Your Insurance Company Denies Your Claim

what happens when your insurance company denies your claim? What do you do?

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If you are unfortunate enough to have your insurance claim denied, then you already know the feeling it brings. For those that haven’t, there is a strong sense of confusion and frustration as to where to go next. Depending on how you were denied, you may be able to reverse the decision on your claim, something that a public adjuster will be able to help you with. Let’s discuss why your insurance company denied your claim and what to do when your insurance company denies your claim. 

Your Insurance Claim Got Denied - What For?

There are a number of reasons why your insurance claim may have been denied, let's discuss them!

You Do Not Have That Type Of Coverage

On your insurance policy, on the declarations page, you will find everything that your current policy will cover for you. Make sure to have read this before contacting your insurance company, better yet signing your policy agreement if you believe you should be covered for a certain property loss. In any case, your claim may have been denied because your policy simply does not cover your loss.

The Cost Of Your Claim Is Higher Than Your Current Coverage

For this, you once again need to check your policy for the limit of your coverage. For example, damage claims that are a result of floods, tornadoes, earthquakes, etc. are not covered by insurance, due simply to the fact they are too expensive to cover. Most insurance companies do not even include this as a type of coverage in the first place. Overall, if you had damage from other types of storms or damage in general that you feel you should be covered for, but then you are denied, check how much your general coverage is on your insurance policy.

If the cost of your claim is higher than your insurance company will cover you for, then you will have your insurance claim denied
If the cost of your claim is higher than your current coverage, you may be denied by your insurance company, simply because they cannot afford it either.

You Did Not Follow The Conditions

This is a section stated in your insurance policy where your insurance company will state on your end what needs to be met in order to maintain your current policy. When you put in a claim, if any of your current conditions are not met, your insurance company will most likely deny you. Make sure you are following the conditions set forth by your policy, so you do not get denied.

The Damage Was Due to Poor Upkeep Of The Home

When the insurance adjuster comes out to your property, they will look for evidence of poor upkeep vs. storm damage. For instance, let’s say that there was a storm that knocked off a whole siding of your home. However, your insurance company finds out that the siding hasn’t been replaced or maintained since its installation period. Your insurance company may deny you, simply on the basis that this could have been prevented if you only kept up with it.

if you have damaged siding due to poor upkeep for example, your inurance company will deny your claim
Poor upkeep is one of the main reasons your insurance company denied your claim. Make sure to continue proper upkeep with your home, in order to show that the damage was from the storm, and not due to lack of maintenance.

Now That We Talked About Why You Were Denied, What Should You Do Next?

There are many steps you can take now that you know why you were denied. However, your first step should be to get in contact with your insurance company or local public adjuster, letting them know you are going to fight for your claim. A public adjuster can easily take this entire process off your hands as they will be able to analyze your claim, talk with your insurance company for you and get you the money you deserve.

In The Meantime, Here Is Our Most Important Tip For You

Get The Process Of Reversing Your Claim Started ASAP!

The sooner you tell your insurance company or public adjuster about reversing your claim the better. The longer the denied claim sits, the harder it will be for you or a public adjuster to see the results you want. Bottom line – as soon as you find out about your denied claim, start the reversal process immediately.

once you get your appeal in, your insurance comapny knows you want to fight the insurance claim denial/your insurance company denied your claim
For most insurance company's, it is impossible to file a claim denial appeal after a certain amount of time. So, get your appeal in as soon as you can!

Get Your Denied Claim Appealed Hire A Public Adjuster From Performance Adjusting

Having your claim denied is a very unfortunate circumstance. It’s also unfortunate that a lot of our customers come to us with their claim denial. We were able to help countless homeowners and business owners reverse their claims after their insurance company denied them. We want to do the same with you! We offer free consultations, for any question you need answers to or if you want to begin the claims reversal process today! If you are not getting the money you deserve, it's time to call a public adjuster! They work for you and make sure you receive the best possible settlement, unlike the insurance adjuster who works for the insurance company.

 

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WHAT IS PERFORMANCE ADJUSTING?

We handle your property damage insurance claim so that you don’t have to. Since 2005, we’ve been getting homeowners and business owners the most money for their property damage all while they sit back and relax. The best part of it all? There are no upfront costs or hidden fees, we only get paid when you get paid.

Your insurance company has an adjuster on their side, so why shouldn't you?

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