April 7, 2022
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.
Best way to beat the insurance company is to hire AllCity Adjusting
Real Support When You Need It!
Should You Make Your Own Insurance Claim Repairs?
Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?
What Are Some Common Business Insurance Claims?
Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?
How Does Home Repair Insurance Work?
Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?
How to File a Roofing Insurance Claim
Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.
How to Get Flood Insurance
Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.
commercial mold cleanup and restoration
If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.
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