Key takeaways:
- If your insurance restoration claim is denied, don’t wait too long to appeal the decision.
- Always make sure your policy accurately reflects the type of property you own.
- Gather evidence and documentation to support your claim.
- Be prepared to negotiate with the insurance company.
- Consider hiring a licensed public adjuster for additional assistance.
Isn’t it frustrating when your insurance claim gets denied or delayed? You may have worked hard to repair and restore damages, only for the insurance company to reject them.
But fear not! Our team of experts at Level Up Innovations LLC has years of experience in successfully helping clients win insurance restoration claims.
First, we’ll see common mistakes people make when filing insurance restoration claims.
Common Insurance Restoration Claim Filing Mistakes
Not reading the fine print.
People often don’t bother to read the fine print on their insurance policy, assuming they won’t need to use it. However, not understanding the details of your coverage can lead to problems when you file a claim. You might mistakenly believe that your policy covers a particular event, only to find out later that it’s not included in your coverage.
Not properly documenting the damage
You may be in a rush to clean up and repair the damage from a natural disaster or another event. Still, it’s essential to take the time to document everything. The lack of detail creates a hurdle when trying to prove the extent of the damage and how much you should get reimbursed.
Not appealing the decision quickly.
If your insurance claim is denied, don’t wait too long to appeal the decision. The longer you wait, the more difficult it may be to gather evidence and present a strong case. This tip goes hand-in-hand with adequately documenting the damage from the beginning. Couple these two steps with seeking expert advice, and you’ll be well on your way to reversing a denial.
Not utilizing an insurance restoration expert.
If your property has sustained severe damage and requires extensive repairs, it’s in your best interest to consult an insurance restoration expert. These professionals have a wealth of experience and knowledge that can significantly benefit your claim.
They can help to ensure that all damage is properly documented and accounted for in the insurance restoration claim process in case you don’t know the exact procedure. With an expert’s help, you mitigate your chances of a denial and maximize your chances for a successful claim.
Not maintaining your property.
Speaking of proper documentation, another crucial step in a claim denial is maintaining your property before and after damage. This means regularly checking for any existing damage, making necessary repairs, and documenting all upkeep and maintenance efforts.
Furthermore, suppose you are negligent toward your property and fail to maintain it. In that case, the insurance company can potentially deny your claim on those grounds. You must show the insurance company that you are actively taking steps to prevent damage from occurring.
Having the wrong kind of coverage
Well, there’s such a thing as having too little coverage, but did you know that having the wrong kind of coverage can also result in a denial of a claim? Always ensure your policy accurately reflects the type of property you own and any unique factors that may affect it, such as a swimming pool or trampoline.
Understanding the difference between replacement cost and actual cash value is also essential. Replacement cost means you will receive enough money to replace the damaged property with something similar and of quality. In contrast, actual cash value means you will receive the depreciated value of the damaged property.
How to Appeal an Insurance Claim Denial
Now, consider that your claim has already been denied. Don’t panic – there are still steps you can take to reverse the decision.
1. Contact your insurance agent
Ask your insurance agent for a copy of the denial letter, and ask them to explain the reason for your denial. The insurance company may have overlooked necessary documentation or made a mistake, so it’s worth double-checking with your agent to make sure. And then listen carefully to their advice on the best course of action to take next.
2. Gather additional evidence
If the denial was due to a lack of evidence, gather other documentation supporting your claim. This could include receipts, photographs, or testimonies from witnesses. Your proofs and evidence must be relevant to the claim you’re trying to reverse.
3. Request an independent review
You can request an independent review if the insurance company denies your claim a second time. A third party will help you with insurance restoration and review your case. The expert will analyze your situation thoroughly based on all the evidence provided to develop a fair resolution.
4. File a complaint with your state’s insurance commissioner
Suppose the independent review does not resolve the issue. In that case, the next step is to file a complaint with your state’s insurance commissioner. This government agency helps regulate the insurance industry and protect consumers from unfair practices.
Although public adjusters and insurance attorneys may have similar roles in some cases, they are two different professions. Both, however, can help you with your compensation claim.
5. File an insurance restoration claim
When everything is sorted and you have gathered all the necessary evidence, it’s time to file an insurance restoration claim. This is where you outline your losses and request compensation from the insurance company. With the right restoration company, you can restore your home and property to its original state in no time. Many roofing companies offer insurance restoration services and can help you through the entire process.
Ending Note:
As it turns out, a lot goes into appealing an insurance claim. Understanding the process’s ins and outs and when it’s time to call in the experts is essential. But remember, not everything is meant to be done all by yourself. Don’t be afraid to ask for help and get your property restored as quickly as possible.
Insurance restoration in Mechanicsville, MD
Level Up Innovations LLC, serving Mechanicsville, MD, is a trusted provider of insurance restoration services. Begin today with a free consultation, and let us handle the insurance claim reversal process for you.
