Disasters can happen at any moment to anyone. That is why having reliable insurance coverage is important. It is the best way to safeguard your property and your family against catastrophes. Unfortunately, having auto, health, or home insurance does not always guarantee an easy fix to your problem. Oftentimes, insurance companies will try paying out as little as possible to keep their profits steady. This leaves the policyholder with less than they need to mend their situation. If your insurance company denies a claim, there are things you can do to ensure you are paid what you are rightfully due.
Read Over Your Policy
First, look into the reason why your claim was denied. Review your policy contract thoroughly and pay attention to any areas that pertain to your situation. Notice any unclear wording that your insurance company will need to define. They are required to clarify and explain why the amount of coverage was approved or denied. Read over this explanation carefully and keep a copy so that you can easily reference it if needed.
Double Check Your Claim
Look over a copy of your filed claim to be sure all of the required information has been submitted and is accurate. If you have held back or given incorrect information, this could be why your claim was denied.
File an Appeal If Your Insurance Company Denies a Claim
If you believe your insurance policy should cover your claim according to the terms of the policy, you will want to file an appeal. Make sure you are aware of any appeal deadlines so that you don’t miss the time frame to fix this.
To file an appeal, submit a well-written and researched letter. It may be helpful to have any relevant parties write a letter on your behalf as well. Also, check that your case is fully and fairly stated. Having a letter that makes sense will help your case.
Hire a Public Adjuster
Although listed last, this should be the first thing you do when you have a home insurance policy claim. Contacting a public adjuster to help you file your claim the first time can relieve a lot of stress and hassle. Many policyholders believe their insurance company will efficiently and effectively handle their claim. However, hiring a public adjuster from the start will warrant better results and can even accelerate the process. If your claim has already been denied, it is not too late to get help from a professional public claims adjuster.
When working with a public adjuster, trained and experienced professionals are available to help. At Aftermath Adjusters & Consulting, LLC, we understand the details of insurance claims and how the insurance companies handle their policies. Furthermore, we get paid only after the approval of your claim. This can help you feel more confident in working with us. Aftermath Adjusters will be able to assess your specific situation, review your policy, and help you receive the compensation you deserve. Call us today to learn more about how we can help if your claim has been denied.