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Gateway FL 33913 – Neighborhood: Country Day Circle/Valdosta
Claim Type: Wind/Water Damage
Insurance Company Original Offer: $5,800
Alpha Public Insurance Adjusters Settlement: $42,000 ( New Roof)
Percentage Increase: 620%
Florida Public Insurance Adjusters
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Public Adjuster Near Me
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Gateway FL 33913 – Neighborhood: Mahogany Isle LN
Claim Type: Wind/Water Damage – Roof Leak
Insurance Company Original Offer: $10,000
Alpha Public Insurance Adjusters Settlement: $63,000 ( New Roof)
Percentage Increase: 500%
Florida Public Insurance Adjusters
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Public Adjuster Near Me
Gateway Public Adjuster
Lee County Public Adjusters
Gateway FL 33913 – Neighborhood: Magnolia Lakes / Little Gem Cir
Claim Type: Wind/Water Damage – Roof Leak
Insurance Company Original Offer: $Under Deductible
Alpha Public Insurance Adjusters Settlement: $40,000 ( New Roof)
Percentage Increase: 40,000%
How to Handle Denied Claims in Gateway, FL
Strong winds, hurricanes, water damage, and theft are all common reasons that individuals file a homeowners claim. If you are in the unfortunate position to file a claim with your insurer, it’s important to take all the correct steps to ensure your claim isn’t denied. However, if you are currently faced with denied claims, you can appeal it.
There are many reasons why your claim could have been denied, and not all are justified. In this article, we will explain the common causes of insurance claim denials and what to do when this happens to you.
Find out Why Your Claim Was Denied
It is not uncommon for homeowners’ insurance claims to be denied. The most important thing is to determine the cause of the denial. Was it out of your control? It may be due to a filing error on the insurer’s side. Another common occurrence is if you filled out your paperwork incorrectly. No matter what the cause, you can contact Alpha Public Insurance Adjusters to help you appeal your claim denial.
What Are the Next Steps?
How do you know if your claim has been denied? Your insurance company will mail a letter, which will explain why your claim was denied. In this letter, the insurer will use language from your policy to prove the denial, so make sure you read the letter and your policy very carefully. Some denials may not be legitimate, so if you do not understand either the letter, the policy, or both, we recommend hiring a public adjuster from our team if you live in Gateway, FL, or the surrounding areas.
In some cases, the denial is reasonable and there’s nothing you can do. Most of the common causes for a homeowner’s claim to be denied are usually justified. Before you file a claim, always make sure to:
- Provide sufficient information. Make sure you add documentation of the damage with your claim, along with a list of damaged items and property loss. If you don’t provide enough information, your claim can be denied.
- Act in a timely manner. No matter if your claim is large or small, it’s important to act quickly. This will benefit you in several ways, such as speeding up the claims process and ensuring your claim doesn’t get denied.
- Carefully read your policy and make sure the damaged property and cause of damage are covered by your policy. There are several policy exclusions, many of which homeowners assume will be covered, like flooding. If you don’t know what your policy excludes, you could end up filing a claim on an item that isn’t covered.
- Determine if the deductible is higher than the estimated loss. Otherwise, it is unlikely that your insurance company will pay for the damages.
These are just a few valid reasons for claim denials. However, if your situation is different and you believe your property damage should be covered, contact our team immediately to file an appeal. Our team will work diligently to contact the insurance adjuster and illustrate why your claim should have been accepted. It’s important to note that reversing a claim denial is difficult. As a result, it’s best to work with a professional who has years of experience handling claim denials, insurance adjusters, and the companies they work for.
How to File an Appeal
If you believe the claim denial was undeserved, it’s in your right to take the following in filing an appeal.
First, you must contact a public adjuster, as we do not recommend doing this alone. Together, you and the public adjuster will contact the insurance company to let them know you’re appealing the denial and provide evidence to support your claim.
You can also contact a mediation program within your state. This will ensure your dispute is resolved and both parties have come to a satisfactory agreement.
As a last resort, you can contact a lawyer and file a lawsuit. Why would this be considered a last resort? Lawsuits, particularly with an insurance company, are often lengthy, expensive, and overall, more trouble than they are worth.
Contact Alpha Public Insurance Adjusters in Gateway, FL
Our team of licensed professionals can help you prepare your appeal. If your appeal is overturned but your settlement is still too low, we will negotiate with the insurance company on your behalf. Call (888) 442-5742 today.
