When your insurance company denies your basement flooding insurance claim, they always trying to find reasons to avoid compensating their clients. You may be tempted to give up, but just because the insurance company initially denied your claim does not necessarily mean that it will stay denied for good. The best thing to do is take a deep breath and move on to the next step.
Many homeowners or business owners find it hard to dispute a denied claim because it can feel like being confrontational or like begging for money. Our parents raise us to be polite and get along, and it can be difficult at times to overcome this. But the denial of your basement flooding insurance claim, expert Public Adjusters say, should be no reason for you to drop everything and cover for the water damage from your own pocket.
How to Dispute the Denial of Your Property Water Damage or Flooding Insurance Claim
The first thing to do is make sure you have all the facts and information you need, well organized, so that you can work with it easily. Here are some aspects to pay attention to:
· The reason for the denial of your basement flooding insurance claim – insurance companies often deny claims based on factual errors that are easy to prove.
· The stipulations of the insurance policy - Get out the policy and read the fine print. See if the denial violates any of the terms of your agreement with them.
· The legal character of the denial - There are a lot of laws written to protect the public from abuse by insurance companies. Make sure you know your rights by checking Federal law, state law, and any laws or ordinances that apply to your city or county. A Florida resident may have different rights than a resident of Illinois, for example, so it is best to check your local regulations.
Disputing the Claim
Your insurance claim denial letter probably includes instructions on how to dispute it, but they may be written in fine print on the back. If not, then the dispute process should be covered in your policy. Details vary from company to company, but, basically, you will need to write a letter to the dispute department telling them why the claim should not be denied. You may need to include photos, a letter from an independent appraiser or other proofs, according to the situation and the company's dispute policy.
If you have a busy schedule and other important problems to deal with, you may feel that it is too complicated to deal with all the paperwork require for a basement flooding insurance claim. Hiring an expert and reliable Public Adjuster can elevate you from the burden of policy interpretation as well as the back and forth between you, the property owner, and the insurance company.