How can I fight the decision of my insurance company?

If your claim is denied, how can you appeal it?

After suffering property damage at your Florida home, the last thing you want is for your insurance company to give you an unfair decision. This will often come in the form of a lower settlement amount than you expected. Sometimes, though, it’s even worse, and you receive a full denial of your claim.

The good news is that a bad insurance company decision doesn’t necessarily need to be the final decision. If you don’t agree with the settlement resolution, you don’t have to take it sitting down, and you certainly don’t have to deal with it alone. Let’s take a look at why working with a public adjuster is your best option.

Appeal with the Insurance Company

It’s important to remember that when you receive an unfair decision after you’ve put in a claim, you have the right to appeal. Although it’s not the best course of action, the first choice you have is to appeal the decision through the insurance company.

They’ll perform an internal review of the original settlement or denial, along with any additional information that you provide to them. You may even be able to request an expedited appeal. The only problem is that they’ll very often stick to the original decision because they’re not big on undoing what others at the company have already done.

Appeal with an Insurance Adjuster

Luckily, you aren’t limited to appealing the decision with the insurance company. You can instead opt for an independent third party to get involved.

A public adjuster deals with filing new claims and appealing denied claims every single day. Here are some of the reasons why you should hire a public insurance adjuster for the job:

They Can Evaluate the Decision

Public insurance adjusters know everything about the claims and appeals processes, just as insurance agents do. They’ll be able to take a look at the decision you received and evaluate it for any clues or mistakes that would indicate why the claim was denied or didn’t pay out as well as it should have. If needed, they’ll also get in contact with the insurance company before submitting an appeal to get an even better understanding of the situation.

They Will Defend Your New Settlement

Insurance companies typically try to be fair, but they’re definitely beholden to their bottom line. This means that they often won’t try to get you the highest amount possible. They may even play a little fast and loose when it comes to denying claims.

A public insurance adjuster, on the other hand, will fight for you every step of the way. Their primary objective is to settle your claim and maximize the final amount.

Public adjusters are well-versed in all types of property damage 

Due to Florida’s inclement weather, to put it nicely, many homeowners suffer from property damage, whether it’s from a hurricane or a smaller storm. Public adjusters are well-versed in various types of property damage, including water, wind, roof, and even fire and smoke damage. They’ll understand the types of expenses that you’re likely to incur and what will be covered according to your homeowners insurance policy.

Emotions Don’t Get in the Way

Dealing with property damage can be quite stressful, often leading to an emotional experience as you go through the claims process. When a public insurance adjuster is tasked with appealing a claim, they won’t bring the same level of emotion to it. They’ll still be sympathetic with what you’re going through, but since they don’t have a personal attachment to your property, feelings won’t enter into their part of the process. This means they’ll be able to stay more focused on getting your claim settled.

They only get paid if you get paid 

There are a few different ways that a public insurance adjuster can get paid, but the most popular is on contingency. In other words, the adjuster’s fee is a percentage of what you receive for the final settlement. If they’re unable to get you paid on a denied case or increase the original settlement amount, they don’t get paid. This incentivizes them to work as hard as they possibly can on the appeal.

Learn How to Appeal an Insurance Company Decision from Your Claim Hero

Your Claim Hero has spent many years learning everything about how to appeal an insurance company decision. If you have a claim that’s been denied or underpaid, or if you have any questions about our services, call our office at 833-724-HERO (4213) today.