What to Do If Your Insurance Claim Gets Denied

Part of being a property owner is paying insurance premiums. Investing in insurance is a smart move because you’re managing your risk. However, dealing with insurance claims can be stressful, which is why we recommend you hire a public adjuster in Port St. Lucie. 

Some of the responsibilities of a public insurance adjuster is to protect your interest in your claim, properly document your damages, help prepare and submit the required documentation for your insurance claim and communicate directly with the insurance company on your behalf.  

Why Was My Insurance Claim Denied and What Can I Do About It? 
  
How Does Insurance Work?   

When you pay your insurance premiums, you do so with the hope that if you sustain damage to your property as a result of a hurricane, broken pipe, fire or flood, that the insurance company will cover your repairs and pay your claim. 
However, you will only receive payment for your insurance claim if coverage is accepted. Unfortunately, not all claims are approved and sometimes they are denied. In such a case, you will need the help of a public insurance adjuster.  
   
Why Was My Insurance Denied? 

Nothing is more painful than paying years of insurance premiums only to receive a claim denial at a time when you need financial assistance the most. 

When you purchase your insurance policy, it is a binding insurance contract between you and your insurance company. So, it is only normal to feel that contract is a guarantee of financial help when you have sustained damage to your property. 

However, filing an insurance claim does not always mean you will receive an insurance payout. There are numerous instances where the insurance company may refuse to pay your claim and deny coverage.  

Property insurance claims that are commonly denied:  

• Partial Exclusions – there are some cases when the insurance company may agree to cover part of the damage but will not cover the repair to the source of the damage. An example would be a burst hot water heater. The insurance company will pay the ensuing damages caused by the water damage, but will not cover the cost to replace the hot water heater.   
• Limited Coverage for a Certain Property – there were times when homeowners were denied a claim because they used a certain part of their property as storage for valuable possessions or they used it for business.  
• Negligence or Wear and Tear – Usually, homeowners insurance includes unanticipated damages, but they do not include damages that were caused by negligence, poor maintenance or long-term damage. 

• Intentional Acts - If you intentionally caused injury or damage to your property.  

​
To increase your chances of getting your claim covered, you may want to consider hiring an independent adjuster. Independent adjusters will help guide you so that you can receive a proper claim settlement.  

Are You Looking for a Reliable Public Adjuster in Port St. Lucie? 

If you’re looking for an independent adjuster you can trust, we’ve got you covered. At Reliant Insurance Adjusters, we have your best interest at heart. 

We understand the stress that comes with filing for claims and our team has the experience and knowledge to guide you every step of the way so you receive the highest possible settlement.  We’ve been in the industry for years and we’ve successfully helped countless clients receive the financial help the need from their insurance companies. Give us a call to know more about what we do.