Talking With Insurance Companies

After a storm or other catastrophic event, you need your insurance company to deliver. You pay your premium every year, and you expect that your insurance company will be there to help you in your moment of need. If your insurance claim has been denied, you know that the previous scenario is not always the case. However, even more important is that you understand that everything is not over. There are steps you can take even when your claim was initially denied to move forward.

Find Out Why

After you get over the initial shock that the insurance company has denied your claim, you need to contact the insurance company and find out precisely why they came to their decision. In some instances, the reason for the denial is a simple mistake that you may be able to resolve quickly. By law, the insurance company is required to provide you with specific reasons why the claim was initially denied. 

Review Your Policy

Insurance companies are not beyond the possibility of an error. Once you learn why the denial was passed down, it's time to look at your policy. Insurance companies are massive organizations, and sometimes a single claim can be passed along to several different adjusters. As a result, an adjuster can make a mistake and overlooked certain types of coverage that you have on your policy. Review your policy to ensure you weren't denied due to misinformation.

Perform an Appraisal

If the claim was only partially denied, for instance, the insurance company settled for an amount less than requested, have a second appraisal performed. A second appraiser will look at the extent of the damage and prepare an assessment that you can resubmit to the insurance company. In many states, you have a certain amount of time after the denial to submit any additional appraisals.

Hire a Public Adjuster

Hire a public adjuster to help you move forward. Public adjusters have experience in many areas, but they have a great deal of knowledge when it comes to helping people who have had their insurance claims denied. The public adjuster can help you prepare your appeal, resubmit the claim, and negotiate on your behalf to reach a fair settlement. 

If your insurance company has denied your claim, it's time for you to take action. Contact a public adjuster, such as from Skipton Claims Management, who will get to work for you right away to get the ball rolling and get your home back to normal as quickly as possible.