An Insurance Adjuster with Your Insurance Company has Denied Your Claim: What Happens Next?

Property claims can be denied for a variety of reasons, and understanding why your claim was denied is the first crucial step. Your insurance company should provide a written estimate or denial letter explaining the reasons behind their decision.

When faced with a denial, having your claim documents, damage, and policy reviewed by a licensed contractor or public adjuster who is independent of your insurance company is advisable. There might be factors that the insurance company overlooked when evaluating your damage. For instance, your roof may have been assessed for repair, but due to its construction or discontinued materials, it might actually be non-repairable. A public adjuster can verify your coverage, document your damages, and submit supporting supplemental documentation and video evidence to advocate on your behalf for a satisfactory claim resolution.

While some denials and repairs may be appropriate as written, not all claims will be approved, no matter how legitimate they seem. The resolution process can sometimes take many months. The key is not to be discouraged by your insurer's initial response, as you have options available to you.