Four Tips for Addressing a Property Loss Claim Rejection

Casualties happen unexpectedly. Most people understand the unpredictable nature of tragedies and natural disasters, so they know that an appropriate insurance policy is critical. The right policy safeguards you, your property, and your home against unexpected losses. Sadly, having automobile, house, or health coverage is not a guaranteed solution in a disaster. In many cases, insurers do anything they can to pay as little as possible to guarantee their earnings keep pushing upward, even at the cost of the policyholders they are supposed to protect. Nevertheless, there are opportunities for anyone who files a claim and is rejected for fair compensation. Our public insurance claims adjuster in Orlando, FL, proposes these things you should accomplish to address your denied claim.

Hire a public insurance claims adjuster

Employing a public adjuster before filing a claim is wise, but many policyholders think their insurer will resolve their claim fairly and quickly. While hiring a public adjuster from the beginning is a great way to expedite the process and make favorable results more likely, it is never too late to hire a public adjuster, even if your claim was rejected. Public adjusters have experience with the strategy and loopholes insurance companies use to avoid paying claims. Moreover, they do not expect payment until your claim is settled. The best public insurance claims adjuster in Orlando, FL, assesses your circumstances and policy to suggest the best way to move ahead to receive the settlement you deserve.

File an appeal

You must file an appeal if you are confident that your insurer should cover your claim according to your policy limitations. Always be mindful of appeal deadlines, so you do not overlook your opportunity to get the capital you rightfully deserve. Your request should be well-analyzed and professionally designed. You can pursue the advice of relevant professionals (like a doctor) and have them draft a letter on your behalf. It is also wise to have somebody look over the letter to guarantee that your case is comprehensively communicated and includes sound logic.

Examine your initial claim

Review a duplicate of the original claim, and confirm you provided all relevant and necessary information. In addition, all the details should be clear. If your insurance carrier discovers you are providing false information or withholding facts, they can employ it as a cause to deny your claim.

Examine your policy

Part of handling a claim denial is learning why your insurer rejected it. First, carefully review your policy and record any language about your circumstances. You must also document unclear or vague policy language to establish its definition. Next, your insurer must supply you with explanations and clarification regarding the part of coverage rejected or approved in your claim. Studying this exposition and saving a duplicate for easy consideration later is essential.

Follow our recommendations for managing a property loss claim denial. And contact our public claims adjuster in Orlando, FL, for a free consultation. We want to help!