It's the most dreaded letter of all - the one that says your insurance claim has been denied. If you're lucky, it will just be a request for more information. But if you're not so lucky, it will be a full-blown denial.
There could be a number of reasons why your claim was denied. From improper filing to just simply not having the coverage you thought you did for your property. Don't stress, Liberty Adjusters is here to help!
#1 You Don’t Have the Right Coverage
This is probably the most common reason claims are denied - because the homeowner doesn't have the right coverage. Different policies cover different types of damage, and it's important to know what yours covers before you file a claim.
If you're not sure what your policy covers, give us a call and we'll be happy to help!
#2 You Didn't Document the Damages Enough
When you file a claim, your insurance company is going to want to see proof of the damages. This means taking pictures and/or videos of the damage, as well as getting estimates from contractors.
If you don't have enough documentation, your claim is likely to be denied. Make sure you take plenty of pictures and videos; it's always better to have more than to need more. Better yet, hire a reputable public insurance adjuster like us to handle the entire claims process for you.
#3 You Failed to Fulfill your Duty After Loss
After your home is damaged, it's your responsibility to take steps to prevent further damage. This means things like covering up holes in the roof, removing water-damaged belongings from the premises, or even contacting a restoration company.
If you fail to do this, your insurance company could choose to deny your claim. So, make sure you take care of any necessary repairs right away. For more on your duty after loss, watch our video below.
Denied? Liberty Adjusters May Be Able to Help
Although it is always better to call a public adjuster before filing, we may be able to help you if your claim is already denied. A public adjuster will help you negotiate with your insurance company so that you can get the most out of your policy.
Basically, we'll have YOUR back against the insurance company. Give our team a call today. We’ll work hard for the best outcome for your storm claim. Even getting up to 574% more than if you submitted on your own. You’ll be glad you leaned on Liberty!