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Your insurance company will mail you a formal letter explaining their reason for denying your claim; if your insurance company does not send you a formal letter, your claim has not been denied. This letter explains the specific language in your policy that justifies the claim denial. Read the letter carefully, and compare their explanation to your understanding of your policy. If there is a legitimate reason for denying your claim, i.e., the premium wasn’t paid, or the type of loss (peril) is explicitly excluded from your coverage, there is nothing more you can do.

However, if after comparing their explanation to your understanding, you still believe your property damage should be covered, discuss your differing views immediately with your insurance company’s claims adjuster and your agent, if you have one. Persuading a company adjuster to reverse a claim denial is not easy. Don’t give up if you can show where coverage is promised in your homeowners insurance policy.

Denied Claim Tips:

File an appeal: If you aren’t getting any satisfaction from explaining your position to your insurance company’s claims adjuster, you will need to file a formal appeal. You only have a limited amount of time to do this, and the clock starts ticking when your claim is denied. The appeals process that you must follow is outlined in your homeowners insurance policy.

Consult a property insurance claims professional: Seeking advice from a licensed public insurance adjuster is the smartest move a homeowner can make after suffering an insured property loss — even if the claim is already denied. A public adjuster can verify your coverage, document and value your losses, and negotiate the maximum settlement allowed under the terms of your homeowners insurance policy. The sooner you contact a public adjuster, the more he or she can do to help you recover.

File a formal complaint: The insurance industry is exceedingly regulated, yet courts in every state are overrun with property claims disputes and bad faith lawsuits. As a policyholder in good standing — that is, your premiums are paid — you insurance carrier is obligated to process your property claim fairly and based on its own merit. If the treatment of your claim falls short of this minimum benchmark, you have the option to file a formal complaint with your state’s insurance commissioner.

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The initial contact with your insurance carrier is critical. This contact can be the difference between your claim being paid or getting denied.
Differentiating between belongings and property that can be repaired vs replaced can be overwhelming.
The many requirements and the extent of the damage all come into consideration at this point in your hurricane damage insurance claim. It’s hard to properly calculate what amount will effectively cover all the damages to your home. It may seem like the insurance carrier paid you enough. In reality it could require so much more to repair your home and bring it back to Pre-loss condition. Let us help represent you and help you navigate your hurricane damage insurance claim.


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