Is there a chance your water damage claim can get denied? As horrifying as it seems, yes. Unfortunately, there are instances when property damage claims get denied. How can this be avoided? When your home or business is damaged due to a water leak, the first thing you should do is seek help from a public adjuster in Broward County.
A public adjuster will guide and assist you to ensure that your insurance company acknowledges your claim. We use state-of-the-art tools and equipment to identify and establish the cause of the damage.
The evidence and documentation presented to your insurance company by a public adjuster will help you get a good claim settlement.
Why Do Water Damage Claims Get Denied?
Lack of Understanding
One of the biggest factors for insurance claims getting denied is when a home or business owner does not understand the coverage in their insurance policy. One example is a hurricane. Do you know that some water damage caused by a hurricane may not be covered by insurance?
Before you report your insurance claim, make sure you have thoroughly read your insurance policy. If there are terms and conditions you do not understand, you should ask a public adjuster for help.
Failure to Maintain Your Property
Another reason why an insurance claim can get denied is failing to maintain your home or business. For example, if your claim is due to a roof leak, the insurance company can deny coverage if you did not repair your roof and let it leak continuously. In some insurance policies, the damage caused from a roof leak is not always covered unless the damage to your roof is caused by a covered peril in your policy. For example a hurricane, wind, lightening and hail.
Insurance policies cover sudden and accidental damage, not continuous damage over a period of time. If you are diligent and try to stop the damage immediately, you are protecting your property from further damage. However, if you do not stop the damage and it continues for a period of time, the insurance company can deny your claim.
When You Use The Wrong Terminology
When you report an insurance claim it is important to know what is causing the damage. Is the damage a plumbing leak, air conditioning leak or from some other source? When you call your insurance and you use the wrong terminology to describe your damage, your claim can be incorrectly classified which may lead to claim denial. It is important to hire a public adjuster to handle your insurance claim to facilitate the claim process and prepare and submit the required documentation.
How to Get Your Claim Approved
Aside from hiring a reliable public adjuster, there are other ways to increase the chances of having your water damage claim approved. Review your insurance policy every year and ask questions to get clarification on coverage.
If you are underinsured or do not have the correct coverage for your property, you can increase policy limits and add coverage. If you have ever experienced flooding in the past, you know it is important to have flood insurance coverage.
Flood insurance is not the same as water damage, so review your insurance policies and make sure your property is sufficiently insured. Finally, it is important to maintain and check your home and property for leaks while making sure the necessary repairs are completed.
Are You Looking for a Public Adjuster in Broward County?
If you need help with your insurance claim or want to make sure you were paid adequately to cover your property damage, you have come to the right place.
At Reliant Insurance Adjusters, we will make sure that your insurance claim gets covered. We have your best interest at heart and that is what makes us special and sets us apart from others. We treat every property damage claim as if it were our own. Give us a call to get a free consultation.