What to do if your insurance claim is denied?

Was your insurance claim recently denied? Don’t worry! You’re not the first person this has happened to. Insurance companies deny claims every day. Sometimes they do it for legitimate reasons, sometimes by mistake, and sometimes for reasons no one understands.

However, our experience at Liberty Claims has shown us that there are steps you can take to challenge the denial of your homeowner’s insurance claim.

So, if you suffered damage to your personal or business property, consider the following:

Why was your insurance claim denied

When an insurance claim is denied, you should receive a formal denial letter which usually explains the reason behind the denial and contrasts it with your policy. Hence the importance of understanding each section of your insurance policy.

If there is a legitimate reason to deny your claim, there is nothing more to do. The main reasons for the denial are usually associated with the premium not being paid, the type of loss being explicitly excluded from your coverage, or that there were no additional coverages in your policy.

Even if, after comparing and thoroughly reviewing your insurance conditions, you still believe your claim should be covered, contact your insurance adjuster and an insurance agent, such as the Liberty Claims team, to help you pursue your claim.

What should you do?

File an appeal

The process of filing an appeal can be tedious and complex. It all starts when you receive the denial of your claim. Depending on the state you are in and your insurance policy, the maximum period for filing an appeal may vary. It is essential to be aware of this to appeal!

In addition, filing a formal appeal triggers a review of your denied claim. You should then present as much evidence and documentation as you can to support your standing. We recommend that you pay special care to the order in which you expose each detail.

Consult with a public insurance adjuster

Second, it is helpful to consult a public adjuster if your claim is denied. Unlike adjusters who work for insurance companies, a public adjuster works for you and has your best interests in mind. At Liberty Claims, we care about helping you get compensated to repair the damage to your home or business. If you are in Miami, we offer many options that will allow you to access multiple benefits in the event of a problem with your insurance.

We can verify your coverage, document the damage, appraise your losses, and negotiate the maximum settlement allowed according to your homeowner’s insurance policy terms.

File a formal complaint

If you consider that your claim has not been given the required importance, you could file a formal complaint with your state’s insurance commissioner. Keep in mind that the insurance industry is heavily regulated. Courts in all states can overturn unfair denials and assist in property claim disputes.

As previously mentioned, public adjusters are indispensable for obtaining better settlements. If you are in good standing with your insurance provider and have been making your insurance payments in a timely manner, we can use our experience to help you.