Your Home Insurer Denied Your Claim – What’s Next?

Your Home Insurer Denied Your Claim – What’s Next?

So your home insurance company has denied your claim.

What do you do next? Can you overturn a denied claim?

If an insurer has unjustly denied your home insurance claim, then follow these steps.

Discover the Reason for Denial Insurers cannot deny your claim without cause. That’s fraud and bad business.

Instead, insurers will identify a specific reason. Typically, insurers will notify you in writing of that reason.

WWW.CLAIMSMATE.COM

Some of the common reasons to deny a claim include: ·Damage occurred because of an excluded cause (like flooding) ·Non-payment of premiums ·You took too long to file the claim ·Insufficient documentation ·Misrepresentation ·Suspicions of insurance fraud or deliberate damages ·Lack of maintenance ·Damage to undisclosed improvements (like a bathroom renovation you did not disclose)

Check your Policy What does your policy say about the reason for the denial? Your policy will have language explaining your denial – like an exclusion or non-payment of premiums.

WWW.CLAIMSMATE.COM

Read your policy thoroughly.

Understand your coverages and limits.

You’ll want a complete understanding of your policy before you approach your insurance company.

File an Appeal You can file an appeal against the denied claim.

Submit evidence refuting the insurance company’s reason for denying your claim.

Your appeal should include relevant information about the claim and the resulting damages, including photos and videos of the damages. It should also include estimates or appraisals from independent specialists (like a contractor or appraiser assessing the value of the loss).

If your insurer claims you didn’t perform due maintenance on your home, for example, then submit evidence proving you did do regular maintenance – like receipts from Home Depot or a logbook with your maintenance record.

The more evidence you provide to your insurer overturning the reason for the denied claim, the more likely you are to overturn the claim.

WWW.CLAIMSMATE.COM

Hire a Public Adjuster If the disputed amount is over $10,000, consider hiring a public adjuster. A public adjuster is a licensed insurance industry professional dedicating to overturning denied claims, representing policyholders, and negotiating with insurers for the highest possible compensation.

In exchange for a fee, public adjusters manage your claim from start to finish. They’re experts at insurance claims. In many cases, the public adjuster can quickly overturn a denied claim.

Public adjusters know the tricks insurance companies use to deny claims. By hiring a public adjuster, you can use their own tricks against them.

Houston Office: (877) 202-0204 405 Main St Suite 700 Houston, TX 77002 San Antonio Office: (210) 880-3211 18911 Hardy Oak Blvd #124 San Antonio, TX 78258 Dallas Office: (469) 351-6611 701 Commerce St Dallas, TX 75020

Public Adjusters are available to help with your insurance claim.