How can a public adjuster help if your insurance claim is denied?
Any level of property damage can be devastating to your household. What’s even worse is when you file an insurance claim and discover that it’s been denied. This can be very upsetting, which is why you should turn to an experienced public insurance adjuster for help.
To give you an idea of what the process looks like, let’s take a look at how an adjuster will address a denied insurance claim.
The Adjuster Will Review Your Settlement
The first thing that the adjuster will do to rectify a denied insurance claim is to check the details of the settlement. There are typically two reasons for this. First, they’ll want to check for any obvious mistakes that might have been made.
Second, he or she will look for any obvious indications of why the claim may have been denied. In some situations, this may show them how to resolve the issue right away.
The Adjuster Will Review the Damage Details
Whether or not a mistake was made by either you or the agent who processed the claim, it’s important for the public adjuster to go over the damage details. They’ll have all the information from the original claim. You’ll basically need to go over the damage that you incurred as if it were a brand new claim. Talking over it again may help you discover certain details that you missed in the original claim.
The Adjuster Will Calculate a Settlement
The public insurance adjuster will combine the information from the original claim and any new damage information that they discover during your discussion. Then, he or she will calculate a fair settlement amount based on that information. If the amounts are far off from each other or grossly miscalculated, that could be the key to your claim being accepted upon appeal.
The Adjuster Will Review Your Insurance Policy
One of the most common reasons why an insurance claim may be denied is that something isn’t covered by your homeowners insurance policy like you think it is. Homeowners’ insurance covers many different things, but there are always limits. In Florida, for example, you must have separate hurricane insurance. The public adjuster will review the policy to see if that’s why there was a problem receiving a settlement.
The Adjuster Will Contact the Insurance Agency
In some situations, the public adjuster will contact either the insurance agency or the specific agent that handled your claim prior to submitting the appeal. Even if they can already tell why the claim was denied, they’ll want to go over the details and hear it from the agency itself. They may also be able to provide details that are in your profile but not on the insurance settlement that can point them in the right direction regarding the reason for denial.
The Adjuster Will File the Appeal for You
Many people are under the false impression that only an insurance agent can file a claim or appeal. This simply isn’t the case. A public insurance adjuster can do either of these things as needed. This takes the burden off the homeowner, who may be under a great deal of stress.
At this point, the adjuster will also provide you with an estimated timeframe as to how long the insurance claim and appeal process will take.
The Adjuster Will Handle Everything for You
Perhaps the best part of letting a public insurance adjuster file an appeal is that they’ll handle everything for you. In addition to filing the appeal itself, the adjuster will work closely with the insurance agency to make sure that everything is handled promptly and correctly. He or she may also need to push the agency along in the process to help you get an expedient result.
The Adjuster Will Always Keep You Informed
It’s no fun sitting back and waiting for an answer to an original claim or an appeal. Although several days may pass without too much activity, one of the adjuster’s goals is to get everything finished up as soon as possible. They can’t promise an exact timeframe, but they can keep you informed as the process goes along. They’re also available at all times for any questions, whether you want to send them an email or call them directly.
Contact Property Protectors if your insurance claim has been denied
Dealing with a denied insurance claim is never fun. Property Protectors can make the process a whole lot easier for you. If you have any questions about filing a claim or appeal for damages related to wind, flood, hail, fire and smoke, or other types of claims, reach out to us at (800) 658-1943 today.