A denied insurance claim can be a very frustrating and stressful experience; especially if you’ve experienced costly damages to your home or business. Do not lose hope or get discouraged. Insurance Policies are complex documents and it often takes a trained eye to review the policy and to understand how it should be applied to your specific circumstances. Even if your claim was initially denied, don’t take the insurance company’s result as the end of it. There are various reasons why a claim can be wrongfully denied. By hiring a qualified Public Adjusting Firm to fight for you, you’ll have experts on your side to properly investigate, estimate and ultimately recover the full and proper settlement that your policy allows. Insurance companies can deny claims for several reasons, but it eventually depends on the policy and how that policy language applies to your specific claim. While every situation is unique, some common reasons why homeowner’s insurance claims are denied include a late filed claim, no visible damage to trigger coverage, workmanship or construction defect, water damage exclusion, limited water damage endorsement or the claim does not exceed your deductible (not an actual denial). Insurance policies are difficult to read and often have unclear language (meaning that it can be interpreted different ways). The truth is that there is no policy that will cover any and all damage to your property and some insurance claim denials are appropriate. However, it’s important to remember many claims are improperly denied, which is why it’s so important to contact a skilled Public Adjuster and have them review your policy, and the insurance companies’ reason for the rejection before taking their word for it. Why should you contact a public adjuster to help? Insurance companies and their adjusters are required to act in good faith throughout the claims process, but that doesn’t mean they always do. The insurance company’s own adjuster is sometimes not even an employee of the business, but rather an outside contractor. Errors can take place in certain areas, which can lead to your insurance claim being denied. Examples include incorrect application of the policy terms, failure to thoroughly review the policy looking for coverage, and engaging outcome oriented vendors. Professional adjusters have experience helping policyholders whose insurance claims have been denied or underpaid for numerous reasons. Get in touch with for a free claim review and strategy session where they will be happy to go over your options. They will carefully evaluate your policy, document and accurately estimate your losses and communicate with the insurance company as needed to get you the utmost settlement allowed under your policy. (833)-323-7872 extremeadjusting.com
In Florida, homeowners frequently struggle with a variety of challenges that require extensive insurance coverage. From unpredictable weather conditions to rising water levels and flooding, the Sunshine State gives property owners a run for their money and safety risks. Understanding homeowner insurance claims in Florida is important for ensuring adequate protection. This knowledge not only helps in selecting the right policy, but prepares homeowners for the potential financial shock of property damage –i.e. Strong winds, fire, flood, hurricanes, etc. Insurance companies in Florida often deal with claims resulting from types of property damage that are frequent and severe. For many property owners, the rising construction costs mean that any damage can lead to great financial strain. Knowing about comprehensive homeowner’s claims coverage is a key step toward financial protection. A professional Public Adjust can go deeper into each of the common, general claims that Floridians are met with, while offering insights into how to safeguard the finances against the forces of nature and other risks. Whether you are a new homeowner or looking to update your existing policy, speaking with a professional Adjuster whom is equipped with the information you need to make informed decisions about your homeowners insurance. Water damage is a big one in Florida! It’s one of the more frequent issues homeowners face; leading to a significant number of insurance claims annually. Water destruction can result from different sources including roof leaks, broken pipes, as well as appliance failures. The risk of water damage extends beyond typical household leaks to include flood damage and storm surges, mainly during hurricane season. It’s critical for homeowners to understand that basic homeowner’s insurance policies don’t cover flood damage. This includes water access from external sources like storm surges; which can flood homes quickly and cause severe damage. To guarantee full protection, you must consider purchasing a separate flood insurance policy. Flood insurance is specifically designed to cover losses from rising water. Given Florida’s geographical vulnerability to hurricanes, storms and flooding, having the proper insurance can be as important as the main homeowner’s policy itself. Most importantly, hurricanes and tropical storms are among the most catastrophic weather events that homeowners in Florida must deal with. These natural disasters can lead to widespread property damage claims, and often straining both homeowners and insurance companies. The aftermath of major hurricanes like Hurricane Ian in 2022, has reshaped the insurance ladder in Florida. This large reduction in providers has implications for coverage limits and repair costs; which affects the availability and affordability of homeowners insurance. As we look ahead, the Florida residents must take proactive steps to their insurance coverage with the reality of living in one of the most hurricane-prone states in the U.S. This includes revising insurance policies to cover a range of scenarios that will affect you and your home. (833)-323-7872 extremeadjusting.com
