Claim Denied: What Can You Do Next?

After your home or property are damaged, you file a claim with your insurance company. They review your claim, and then they decide whether it should be approved or denied. If your claim is denied, don’t lose hope. There are still three things you can do to possibly get your damage covered.

1. Contact your insurance company and ask them to review your claim.

It’s possible that when you filed your claim initially you didn’t fill the form out to the best of your ability. This is definitely a situation where you want to send as much evidence as possible to the insurance company. After all, it is your job to clearly explain why you need compensation.

Before you contact your insurance company, compile any notes, pictures, or videos you may have of your damage. Then, when you call the insurance company, ask if your claim can be reviewed based on the previously unsubmitted evidence or if the appraiser can reexamine the damage. Remember, you are only speaking to a representative of the insurance company. This person was not responsible for your claim denial, but they are able to reopen your case. Do your best to be very kind and courteous in your conversation with the insurance company representative.

2. Hire your own appraiser.

If the insurance company denies your claim, another option is to hire your own appraiser. When you filed your claim, the insurance company sent an appraiser to assess the damage. If the appraiser found that the damage was not significant enough to justify a payment from the insurance company, that could be why your claim was denied.

When you hire your own appraiser, you’re gambling that the damage to your property is extensive enough to justify an insurance payment. Keep in mind, paying for an independent appraisal does not guarantee that you will receive payment for your claim. It’s entirely possible your independent appraiser will also decide that your property damage doesn’t warrant a payment.

3. Hire a qualified lawyer.

By hiring a qualified lawyer, you enlist the help of an experienced professional who has dealt with similar situations in the past. A lawyer who has a background dealing with property damage and insurance claims is best-suited for this type of case. Although hiring an attorney might seem like a perfect solution for anyone who feels slighted by their insurance company, it is really only a good idea if the amount of potential compensation from the insurance company covers the cost of hiring a lawyer.

Do you need help getting your claim approved?

At Barnard Law Offices, we aren’t just lawyers – we’re qualified attorneys who are experienced with property damage and insurance claims. We can help you get the compensation you need to repair the damage to your home or property. To find out more about how we can help, give us a call today at (305) 665-0000 or contact us online.

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Barnard Law Offices

The Barnard Law Offices, L.P. has been protecting the rights of Floridians for four generations. Together our attorneys bring years of insurance claim advocacy and trial experience to the table. We don’t believe in half-hearted measures when it comes to proving your claim: after inspecting the damage to your property, our office will engage or connect you with high-quality third-party professionals to assist you with your claim and assess your property damage. Our talented team is dedicated to serving each client’s needs with a passion and commitment that makes us stand out among our peers.
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