Your insurance claim was just denied. And now you are wondering, what can I do next? While reopening denied claims varies from state to state, fortunately, in the state of Florida you can reopen a claim for up to 5 years.
Reopening a denied claim can be tedious and time-consuming and may not always result in an approved claim, but the option is there to reopen and with Liberty Insurance Adjusters, we will work with your insurance company to make sure you receive a fair appeal and the best payout after a denied loss claim.
Why Was My Claim Denied In The First Place?
There are many reasons why your insurance claim could be initially denied.
If your claim was denied you may want to first reread your insurance policy to see if you misread or misunderstood any coverage or exclusions. Next, you should look over your denial notice to see if the damages were filed correctly. It’s also a best practice to review all of the documents you initially gathered and to double-check them. Occasionally, home and business owners may forget to include receipts or properly report everything that was damaged.
Other common reasons insurance companies deny claims are:
Not filing your claim on a timely basis
Giving false or incorrect information
Exclusion clauses: some policies exclude coverage of certain items such as exterior paint or awnings for example
Not enough/accurate information given about the said damages
Deductible not met
Proof of Loss form or other documents not turned in within the required amount of time
Late payment or non-payment of your premium
Not taking proper measures to stop further damage to property after the initial loss
Occurrence versus maintenance: did the damage happen because of a failed maintenance issue or because of the actual incident? Ex. Your roof is leaking after a bad storm. Was it leaking because of failure to maintain your roof or because of the occurrence of the storm?
If you still find any mistakes or issues with your denial that you feel are worth revisiting with your insurance company, it is best to move forward with contacting a public adjuster to reopen your claim. Working with a public adjuster can not only move your claim from denied to approved, we can get you up to 574% or more on a submitted claim. Liberty Insurance Adjusters handles claims throughout Florida; call our experts to get help and justice after a loss.
Public adjusters work for you, not for the insurance company. Our goal is to help you get justice for a denied insurance claim.
Reopening A Denied Claim
As a policyholder, if you wish to reopen a denied claim you might be wondering what you should do and what steps you should take. This process is best begun with contacting a Florida public adjuster. A public adjuster will work directly with the insurance company and they will contact them to reopen your denied claim.
A public adjuster will first review all your initial claim documents and your insurance policy. They will look at any estimates the insurance company gave you and a record of all the repairs that were done or still need to be done. Once it is decided that you have sufficient reason to move forward, our public adjuster will contact your insurance company and they will have to re-inspect the damages.
As you move forward remember that insurance companies will scrutinize your claim even more so than the first time, so it is important to have a public loss adjuster on your side to help you navigate the denial claim process.
Remember…public adjusters work for you, not for the insurance company! Our goal is to help you get justice for a denied insurance claim. Submit your claim today and let Liberty handle the rest.
Related > Why Work with an Insurance Adjuster
You’ve Reopened Your Claim, Now What?
In Florida, any homeowner that reopens their property insurance claim will be asked by their insurance company to enter into Florida State-Sponsored Mediation. During this process, you will be offered no representation while you meet with an insurance company representative and a mediator who will facilitate the process.
If your claim is of high dollar value you may go through an Appraisal process. Your insurance company will hire an appraiser to review all the documents and damage to discuss the differences and costs.
Going through this meticulous and scrutinizing process alone with an insurance company that is not on your side can be intimidating. At Liberty Insurance Adjusters, we will help you feel more comfortable and in control during the reopening proceedings and make your claim successful.
After A Denial, Let Liberty Adjusters Do the Work
An insurance claim denial can be devastating and stressful, especially if you are desperately seeking the money to move forward with home repairs after a storm or flood. At Liberty Insurance Adjusters, we specialize in reopening claims and will work on your behalf to find out exactly why your claim was denied. We will then advise you as to what steps to take next to recover the expenses for your damages.
Whether you just received a denial or have one that’s within the past five years and you do not know how to proceed, call us at 813-922-5129 or simply submit your claim online today. At Liberty Adjusters, we never stop working to help make your property whole again. Lean on us to get justice for your loss insurance claim!