How To Avoid Getting Your Residential Claim Denied
It is an unfortunate fact that homeowners insurance claims are denied every day. If you have ever had your claim denied, you know how frustrating it can be to deal with the process of getting it adjudicated. Fortunately, there are a few things that you can do to avoid this happening in the future.
There are multiple steps you can take to avoid getting your residential claim denied. You need to make sure you have the right policy and coverage and make sure you file all your claims correctly.
Don’t try to repair any damages, like replacing a broken window or leaky pipe. This can jeopardize your claim. If you do this there should be no problem getting reimbursed for any damage done.
Understand your home insurance policy.
Understanding your insurance policy is the first thing to avoid getting the claim denied. It is important to know what you are being covered for and what you aren't. You can get a better idea of this by reading your policy thoroughly before filing the claim. So, if your insurer denies it because of something technical or some fine print in the contract, you have an outside shot at getting them to see things differently.
Submit all claims promptly.
It is advisable to file your claim as soon as the incident happens. Try to get in touch with your insurance company within 24 hours of an event that triggered a loss, even if it's just for guidance on the next steps.
File your claim correctly.
If you do not file correctly, the claim will not go through. Sometimes this may include contacting the police if your incident includes theft, arson, or theft. Calling your insurance to follow the proper steps is the most important thing to do. Include everything necessary when submitting a residential claim.
It's important to remember that every insurer has requirements that need to be filled according to laws and protocol so make sure you include these where applicable:
- Original receipts showing purchase costs & dates, keep copies for yourself.
- Canceled checks/bills which show charges paid out at hire shops after recovering belongings etc.
- Take pictures and videos of the damage, and keep the originals.
- Any other written evidence may help your claim for example receipts for new purchases to replace those lost or damaged.
- Any police reports
- If you move out of a rental property before things are fixed, make sure you get details from the landlord/agent about who is responsible for repairs & costs.
- Details of any insurance policies covering loss such as Public Liability Insurance etc.
Double-check your policy.
If you are not sure about what is covered under your home insurance policy, then it's time to double-check the terms and conditions of the contract thoroughly before filing a claim for damage or theft at home.
Have the right coverage for repairs and replacement of property.
Do not try to fix anything on your own when fixing any damage done. Hire a professional so you can not be held liable for any further damage. Of course, make sure the contractor is licensed when repairing property damaged by insured events like wind damage from storms, vandalism, etc. Otherwise, insurance companies can deny coverage under provisions prohibiting illegal activity, which invalidates their contract obligation toward damages.
There is no reason to get denied after following these steps carefully, so follow them carefully to avoid difficulties getting reimbursed for your residential insurance claim.
If your claim has already been denied, there are still steps to help get the most out of your insurance. Here are some tips on what you can do when an insurance company denies your claim:
- Call your insurance to ask questions or read your policy to find out if there are any specific reasons why the insurance company may have denied you.
- If it was due to an exclusion in your policy, then take note of that and do not claim something similar again.
- Contact your agent or broker who sold you the insurance plan so they can help you appeal this decision with the insurer.
- Check to see if there have been any changes in the contract or policy. If so, then it might be possible that this new change was not communicated properly to you, which could lead to a denial of coverage for reasons such as failure to disclose material information.
Reach out to Select Adjusters to file for your residential claim.
Contacting an agent who knows your insurance company well makes this process much easier. Your insurer may still deny some claims because mistakes happen even when homeowners do everything right.
At Select Adjusters, we help homeowners appeal these unfair claims denials, and we work with insurance companies to ensure your claim is paid in a timely fashion.