When dealing with the devastation of a fire, we expect our insurance company to help us recoup our losses. That’s what we have insurance for, right? But unfortunately, they’re not always willing to pay for as many things as we’re hoping to recover from our fire insurance claim – and it can feel like they don’t always have our best interests at heart.

As public adjusters, we passionately advocate on our clients’ behalf during claim process and know how insurers try to minimize what they pay to policyholders in the event of a policy claim. Here are some of the most common reasons why fire insurance claims are denied:

  • Errors made in your claim or your inventory of lost/damaged property
  • Suspected arson or other foul play
  • A claim made for something not covered by the insurance policy

If your fire insurance claim is denied, you have the option to hire an independent investigator to examine the fire damage and surrounding circumstances, then prepare a written report that includes a documentation of your home’s fire safety systems and verification that your home was built up to code. Assuming the investigator’s report is at odds with what your insurance company says, you’ll then receive instructions on how to file an appeal.

If you haven’t already done so, you should retain legal counsel to help you, particularly someone with a successful track record  in claims cases for insureds. If your insurance company does not treat you fairly, you also may have a right to claim damages for breach of contract. Examples of unfair treatment include:

  • Misrepresentation of facts or misleading information
  • Unreasonable delay
  • Not explaining why your claim was denied
  • Inadequate investigation, or a failure to investigate
  • Lack of evidence explaining reasons why your claim was denied
  • Threatening you if tell them you’re hiring a lawyer
  • Lowballing your claim

One of the best ways to ensure that your rights as a policyholder are respected is to hire a public adjuster. At Miller Public Adjusters, we negotiate insurance claims – and navigate the claim process – on behalf of our client policyholders to ensure you receive every penny you are entitled to under the provisions of your insurance policy.

If you need someone in your corner, we’re here for you. Let us know how we can help.


Decisions made and actions taken during the first six months after a fire will largely determine what kind of claim settlement you’ll receive from your insurance company.

first six months ebook cover