Storms are one of the most difficult struggles to recover from. You have much on your plate already as a property owner in Orlando, so it can slow down your agenda when your insurance company denies your claim or doesn’t give you nearly as much as you need for recovery. The important thing is to never give up! We’re here to show you what you can do when your water damage claim is denied or underpaid after a storm hits your property.
Trust in Altieri Insurance Consultants Orlando, the partner property owners rely on!
The First Step: Know Why You Were Denied
If your water damage claim was denied, you have every right to know why. Insurers will typically explain their reason in your denial letter. But while these documents should be heavily detailed, they aren’t always. Other times, these letters are too detailed with insurance lingo that you might not be able to interpret. Either way, it all comes down to how well you understand your policy. Please beware that your regular Homeowner’s policy DOES NOT cover flooding, and you need to purchase a separate flood policy, even if you aren’t mandated to do so.
Knowing the details of your policy can help you pinpoint where things went wrong and how you can fix them. Of course, that’s easier said than done. That’s why we highly recommend that you get a second opinion from a public adjuster in Orlando who is a natural in the property insurance landscape.
Some common reasons your water damage claim might be denied after an Orlando storm include:
- Policy limitations
- Lack of required documents
- Missing submission deadlines
- Negligence regarding maintenance
- Gradual wear over time
- Not having a flood policy
Still Convinced You Were Wrongfully Denied? Start Gathering Evidence.
There might be times when you follow every rule and protocol without flaw and still come out of it with unfair outcomes. That’s not your fault, and so why should you be punished for it? But if you’re going to refute your water damage claim denial or underpayment, you’ll need a convincing argument.
The best way to convince your insurer that you deserve greater reimbursement is by gathering as much evidence as you can to back your claim. These bits of evidence can come in the form of:
- Photos and videos of the damage (with timestamps)
- Written estimates from contractors on repairs or replacements
- Weather reports stating the severity of the storm in your area
- Witness statements from neighbors and the local community (in writing)
When getting what you are owed for your water damage claim in Orlando, a proof of loss statement is very important.
This Isn’t a One-Person Job. Hire a Public Adjuster You Know You Can Trust
When it feels like the world is stacked against you, there are experts you can look to for help. You won’t get anything out of going up against all odds by yourself. On the contrary, you’ll get more if you hire a public adjuster in Orlando with a specialty in storm-related water damage claims.
Public adjusters in Orlando can help you:
- Appeal your denied or underpaid damage claim
- Gather and submit new evidence
- Negotiate a new settlement offer
- Communicate your wishes and interests
At Altieri Insurance Consultants Orlando, we’re your reputable team for comprehensive services like water damage claims, flood damage claims, and everything else you need to get your life back.
Get What You Are Owed When You Hire Altieri Insurance Consultants Orlando
Call Altieri Insurance Consultants Orlando at (813) 247-4757 and find out how we can turn your water damage claim around so you can get the correct amount after fighting off a hectic storm. Schedule your consultation appointment today!
