A fire, flood, or home break-in can cause considerable damage and are truly devastating events. However, the devastation is only heightened when a homeowner files a claim with their insurance company for these damages and they are met with a denial. An important thing to remember about a denial is that it's not always the final decision. Insured homeowners can often rely on a public claims adjuster to turn their denial into an awarded claim.
Identifying Coverage Terms
One misconception that some homeowners have is the idea that it is the responsibility of the insurance company to explain all their coverage options to them. Although it would seem like the right thing to do, the insurance company will work largely based on the customer's demands.
Therefore, if the customer does not push to receive a claim for certain coverages they have, the insurance company is not going to make a recommendation that the file a claim for said coverage.
This lack of information transfer can often lead to a denied claim. Public insurance adjusters carefully review the coverage terms of their clients to ensure they are filing the right claim and seeking compensation for an entitlement that they are due to receive.
Proving the Facts
Sometimes, an insurance company will deny a claim based on negligence or an intentional act. For example, an insurance company might deny a claim for a flood caused by a leaking water heater if they suspect the homeowner did not properly maintain the appliance. In terms of an intentional act, the insurance company might deny a claim if they suspect a homeowner had someone break-into their home intentionally.
Unfortunately, an insurance company can base its decision for denial on these premises without providing solid evidence that their accusation that the claim was due to negligence or an intentional act.
More often than not, the homeowner is not to blame for the damage to their home. Public adjusters become especially beneficial with these types of claims because they can work to research and investigate the source of the damage and prove that the homeowners were not, in fact, to blame for the damage to their home, and help get their claim approved.
Do not underestimate how critical a role a public claims adjuster can play in the event your initial claim was denied. If you are facing this type of dilemma, contact a professional like Anthony Ricciardi Licensed Public Insurance Adjuster who can help you.