HOW TO DISPUTE A HOMEOWNERS INSURANCE CLAIM DENIAL
These are the steps to take after your homeowners insurance claim is denied.
1) CONTACT YOUR INSURER
The first step to take is to contact your insurance agent or company. Review the claim you initially filed. Ask if there’s a way to improve the claim. Ask if your insurer needs additional documentation or evidence. Ask if your claim can be reviewed based on new evidence.
2) REQUEST AN INDEPENDENT INSPECTION FROM A PUBLIC ADJUSTER
Public adjusters are licensed insurance professionals. Your insurance company assigns an adjuster to your case. That adjuster’s goal is to protect the bottom line of the insurance company. You can hire your own independent public adjuster. This public adjuster’s role is to protect the policyholder.
3) FILE A COMPLAINT AND HIRE AN ATTORNEY
Most claim disputes get resolved at steps 1 or 2. However, some insurance claim disputes get complicated. In this situation, you may want to hire an insurance attorney.
IF YOUR INSURER
CONTINUES TO DENY
YOUR CLAIM OR OFFER A
LOW PAYOUT, THEN YOUR
BEST OPTION IS TO HIRE A PUBLIC ADJUSTER.