Written by Andy Gurczak

April 7, 2022

Your Property Damage Insurance Claim is Denied

You had a windstorm that did a great deal of damage to your roof. A tree fell on the roof, making a huge hole. Unfortunately, a few days later, a rainstorm came through, dumping water into the hole of your roof. Therefore, you filed a claim for the damaged roof and related water damage. However, your property damage insurance claim is denied for the water damage.

Why Are Homeowners’ Insurance Claims Denied?

Of course, property damage insurance companies deny claims for several reasons. 

First, when insurers deny a claim, they must do it in writing. In addition, the letter should state the specific reason they denied the claim. For instance, they may that you sent insufficient documentation to support the claim. Alternatively, they could say that that the photos, videos, and other evidence you sent with your proof of loss did not show that a covered loss had occurred.

Then the letter should cite the specific section of your insurance policy that backs up the reason for the denial. 

What Do You Do When a Home Insurance Claim Is Denied>

In general, gather all the photos, repair estimates, repair bills, etc.

Next, if you have not done so already, organize all emails and letters exchanged with the insurance company. 

In addition, make a log of all phone calls you have had with the company adjusters, contractors, etc. 

Lastly, if the insurance company is contesting the dollar amount of damages, the property owner may have to get an independent appraisal. 

Given These Points, Then Get a Public Insurance Adjuster

Sorry, if the insurance company has refused to make a settlement offer and is now denying your claim, you need the help of experienced public adjusters. In fact, a public adjuster can review your policy and the evidence supporting your claim. 

As a result, the adjuster can then negotiate with your insurance carrier on your behalf.  

Indeed, as an expert in insurance policies and property damage claims, a good public adjuster can do a better job for you than you can do for yourself. 

However, if that doesn’t work, and you feel the insurance company is wrong, a public adjuster can help you appeal the insurance company’s denial. 

Certainly, if the company won’t budge, the public adjuster can then help you file a complaint with your state insurance commissioner. Moreover, if the company is acting in bad faith, the public adjuster will help you prove it to the state insurance department.

To sum up, if you still want to fight, the public adjuster will help you hire an attorney to sue the company and get the best result you can. 

To Summarize, If Your Property Damage Insurance Claim is Denied, You May Need a Public Adjuster to Help. Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. Consequently, if there’s one thing we understand, it’s that you need 100% of your claim value.

Notably, insurance companies may undervalue your claim 8 out of 10 times. Moreover, they hire expensive claims adjusters to ensure they maintain a strong profit margin. In addition, they have experienced actuaries that help their team of agents challenge your insurance claim’s validity and value.

In Fact, Insurers Deny Claims All the Time. AllCity Can Help

After all, having a fire or hurricane damage your home means you have already gone through a tumultuous event. However, if all or part of your property damage insurance claim is denied, you may need a public adjuster to help you. 

In short, we can review your claim, gather additional proof of your loss. In addition, we can meet with the insurance company’s adjusters to show them where they’re wrong. 

However, if that doesn’t work, we can help you appeal the insurance company’s denial or file a complaint with your state insurance department.

Lastly, if you decide to sue your carrier, we’ll work with your attorney to prove your case against the insurance company.  

In short, we’ll be by your side during the whole fight. 

Don’t get fooled, get the company that gets you more. Call us today at 844.692.3587 or visit our website to find an office near you.


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At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
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