Homeowners insurance is a critical investment that protects your home and your personal belongings from any unforeseen damages or losses. However, when you need to file a claim, the process can be quite challenging, and you may experience unexpected roadblocks such as claim denials. Insurance companies often have a team of claims adjusters whose job is to protect their interests, and not yours. This is where a public adjuster comes in. In this article, we’ll explore how a public adjuster can help you when your homeowners’ claim gets denied.
First and foremost, it’s essential to understand what a public adjuster is and what they do. A public adjuster is a licensed professional who works on behalf of the policyholder, not the insurance company. Their primary role is to help you navigate the claims process and ensure you receive the compensation you deserve. They have a thorough understanding of insurance policies and know how to negotiate with insurance companies to get you the best settlement possible.
If your homeowners’ claim gets denied, a public adjuster can help you determine why the claim was denied and what you can do about it. They will review your insurance policy to ensure that the insurance company is adhering to its obligations. They will also gather evidence and documentation to support your claims, such as photographs of the damage, repair estimates, and any other relevant information. Once they have all the necessary information, they will negotiate with the insurance company to ensure that you receive the maximum amount of compensation possible.
One of the main reasons that homeowners’ claims get denied is due to a lack of proper documentation. If you don’t provide enough evidence to support your claim, the insurance company may deny it. A public adjuster can help you avoid this situation by gathering all the necessary evidence and documentation needed to support your claim. They have experience in dealing with insurance companies and know what documentation is required to make a successful claim.
Another common reason for denied claims is when the insurance company deems the damage to be outside the scope of your policy coverage. However, insurance policies can be complex, and it can be challenging to determine what is and isn’t covered. A public adjuster can help you understand your policy and ensure that the insurance company is interpreting it correctly. They will work with you to identify the specific language in your policy that covers the damage to your property.
Additionally, a public adjuster can help you navigate the appeals process if your claim is denied. If your claim is denied, you can appeal the decision. However, this process can be time-consuming and complicated. A public adjuster can help you through the appeals process and ensure that you have the best chance of a successful outcome.
Finally, a public adjuster can help you negotiate a fair settlement if the insurance company makes a lowball offer. Insurance companies are businesses, and they are interested in protecting their bottom line. They may try to offer you a low settlement to save money. A public adjuster can help you negotiate with the insurance company to ensure that you receive a fair settlement that covers the full cost of repairs or replacement.
If your homeowner’s claim gets denied, don’t panic. Contacting a public adjuster can be the difference between getting a fair settlement and being left with a hefty repair bill. They have the expertise and experience to navigate the claims process, gather evidence, and negotiate with the insurance company on your behalf. By hiring a public adjuster, you can ensure that your rights as a policyholder are protected, and that you receive the compensation you deserve.
What about an Attorney?
We work with attorneys who can file an Intent For Suit (See Article) They can also represent you if you decide to take legal action against the insurance company. By using an attorney, you can increase your chances of a successful outcome
Additionally, an attorney can help you understand your rights as a policyholder. Insurance companies have a legal obligation to act in good faith when evaluating claims. If an insurance company acts in bad faith, such as by unreasonably delaying or denying a claim, you may have legal recourse. Our attorneys can help you understand your legal rights and options and can represent you if you decide to take legal action.
On average, a policyholder makes 747% more money using a Public Adjuster. (Source OPPAGA)
If you opened a claim with your insurance, our team can help you get paid, we have handled all types of claims in the past and we are confident in the fact we can assist you in these troubling times.
Call or Text me anytime at my Personal Cell (786) 818-9642 or send me an email at Armando@CaliberAdjusters.com
