Still, as the customer you have rights. You have the right to be fairly compensated for your losses. If your claim for property loss is being denied, there are things you can do. Don’t let your insurance company or their claim adjuster convince you otherwise:
- Be persistent. If you insurance company refuses your claim or covers only a fraction of your losses, don’t assume there is nothing more you can do. You can file a new claim using a leading public adjuster that has your interests at heart. Make sure you keep accurate records of all the documents submitted and of your phone conversations. Also ask the insurance company to put in writing why they are denying or reducing your claim.
- Read your insurance policy. Many times, the insurance company will deny your claim for process errors such as the fact you didn’t fill the claim in a designated time window or you made mistakes completing the forms. To avoid this, read your insurance policy thoroughly and follow all the steps carefully. However, if you miss a time frame, and your claim is denied, doesn’t mean you should give up. The best thing you can do when your property loss claim is being denied, or the settlement is too small to cover your loss, is to hire a Public Adjuster.
- Hire a Leading Public Adjuster (professional loss consultant). Good adjusters usually pay for themselves. Generally they charge a percentage of your settlement, so it is in their own interest to get you the best settlement possible. It is best you hire a public adjuster early in the process. But even if your claim was denied or not settled to your satisfaction, they still may be able to help. Public adjusters also relieve you of the duty of properly filling your claim and negotiating with the insurance company.
To find a reputable public adjuster in your area, check our leading public adjusters directory!