Here’s What To Do After Your Water Damage Claim Was Denied?

By Residential Claims

Water damage caused by a busted pipe can lead to difficult and costly repairs. The good news is you have insurance to cover these unexpected damages. It helps to know that you are in good hands after filing residential claims in Boca Raton

But are you?

Unfortunately, when your insurer sends out an adjuster to assess the damage, they may unfairly claim that the leak should have been reported months earlier. Even if the leak is new, they will use this excuse to deny your claim. Don’t let this happen to you. Get in touch with Alpha Public Insurance Adjusters when you believe the insurance company is deploying unethical tactics.

What To Do After Water Damage?

As a policyholder, you probably know that you should not clean up any damage to your home until the insurance adjuster arrives. However, you should at least get the leak fixed before it causes worse damage. Stop the leak before you contact your insurer. If you don’t, it’s possible that your insurance company will use this against you. They may claim that you allowed the damage to persist because you wanted a bigger payout. You may see the ridiculousness in that argument, but unfortunately, it can be enough to deny your claim.

As a result, the first thing to do after experiencing a leak is to get it fixed. Then, contact your insurance company to notify them of the damages. 

When should you contact our team? 

We recommend you contact Alpha Public Insurance Adjusters after the insurance adjuster has assessed the damage. We will perform a thorough inspection of the property and offer a second, accurate opinion when the time comes.

Why Claims Involving Busted Leaks Are Denied

It’s difficult to prove when a leak occurred. Even if you contact a professional plumber, s/he may say the leak could have been there for one week or six months – they simply don’t know. It may help to get a second opinion, but if one plumber says the leak started one week ago and another says six months, the insurance adjuster will go with the latter. It may be inaccurate and unfair, but it minimizes your payout and that’s what your insurer wants.

You may not understand what is happening or how to deal with it, but our public adjusters do. They have lots of experience dealing with insurance companies unfairly delaying or denying claims. They know exactly what should be done to ensure you receive enough money to repair your home.

Your Claim Was Denied – What Now?

If your claim was denied by the insurance public adjuster/insurance company, you are within your rights to file an appeal. Homeowners can do this on their own or better yet, contact a professional, like a public adjuster from our team. If your claim can be reopened, we will instruct you to do the following after a claim denial:

  • It’s likely that your damage was covered but re-read your policy just in case you misunderstood anything.
  • Let our team review your denial notice to see if there was anything you did incorrectly during the claims process.
  • Review all documentation you submitted when filing your claim. Was there something you missed that should have been included?

We’ll do our best to take the burden of the claim denial process off your shoulders. We will contact your insurer and notify them of the appeal. From there, we will reinspect all damages and begin the appeal process to ensure you receive a full settlement.

Contact Alpha Public Insurance Adjusters

Our team will get you the money you deserve to fix the damages to your property. We will ensure that you are fully compensated, so you don’t have to pay anything out of pocket. Our team is made up of experienced, compassionate individuals who can sympathize with your situation. During our initial consultation, we take the time to listen to your complaints and get a better understanding of what you need throughout the claim or appeal process. 

For residential claims in Boca Raton, contact Alpha Public Adjusters. Call (888) 442-5742 for a free consultation.