homeowners-insurance-denial
18 Oct

What should you do after a homeowner’s insurance claim denial.

Handling any level of damage to your home is something that no one wants to deal with because of the stress and work involved. Plus, you have to deal with an insurance company whose primary objective is to protect its bottom line. This is true whether you’re in need of making storm damage claims in Tampa or claims stemming from fire damage, water damage, roof damage, or even sinkhole damage. Unfortunately, protecting an insurance company’s bottom line often translates to a denial of your insurance claim even though you are entitled to the benefits of your policy. Because of this, it is imperative that you understand that a denial is not the end of the story, so we’re going to cover what you should do after experiencing a claim denial.

First and Foremost, Don’t Panic

Receiving a claim denial letter is likely to make your heart fall because monetary relief is what you were counting on in order to get your life back on track. But, receiving a homeowner’s insurance claim denial isn’t as uncommon as you might think and it’s not the end of the process, so be sure to remain calm even though it seems like bad news.

Check the Denial Letter for Accuracy

Once you receive the homeowner’s insurance claim denial letter, be sure to read over it carefully and make sure that its information his accurate. The denial may come down to something as simple as the insurance company neglecting to include pertinent information in the determination of whether to approve or deny the claim.

Consult Your Homeowner’s Policy

If you experience a homeowner’s insurance claim denial, it’s a good idea to take another look at your homeowner’s insurance policy. Perhaps there was something you missed concerning what was covered or the amount to be covered, which could be an important factor in reversing the denial.

Make Sure You Didn’t Leave Anything Out

In addition to checking for any essential information that the insurance company may have left out that may have caused a homeowner’s insurance claim denial, you should also consider that the error may have been yours. Double check everything that you submitted just in case you neglected to report something that may have been the missing element that could have led to approval.

Hire a Reputable Claims Adjuster

The best way to change your homeowner’s insurance claim denial into an approval is by enlisting the assistance of a professional claims adjuster. Having a seasoned expert who is familiar with the process by your side will help you fight against the denial, not to mention taking the burden off of you and letting someone else handle everything.

Don’t Let Your Emotions Get the Better of You

When you first receive a homeowner’s insurance claim denial, you may feel a wave of emotions, including anger and resentment. Although it is natural to be upset, now is not the time to let those emotions get the better of you and do something rash like call and yell at the insurance agent that was attempting to help you through the process.

Contact Anchor Public Adjusting If Your Insurance Claim Has Been Denied

Following a homeowner’s insurance claim denial, it is important for you to enlist the services of a trusted claims adjuster. Anchor Public Adjusting has been settling claims and dealing with denials, underpaid claims, and other such problems for many years. Our team of professionals have helped us become the best claims adjuster in Tampa and we can help ensure that you receive a settlement. Give us a call at 727-303-4967 and we’ll make sure that you are treated fairly throughout the claims process.