That sinking feeling you get when spotting that denial letter in your mail stack can be unbearable, especially when you’ve done what you can to do everything right. But what if there’s a simple mistake that you’ve overlooked? It’s easy to get caught in the post-disaster chaos and not realize the type of claim you’re actually filing for. And filing the wrong type of claim can easily lead to a denial.
A big part of property management is having the right type of insurance coverage. Learn more about the different types of claims and how to avoid denials by filing correctly. Need help? Altieri Insurance Consultants Tampa is the partner property owners rely on!
What Counts as Basic Homeowner’s Insurance?
If you live in Tampa, you most likely have homeowner’s insurance. It would be a bad idea not to, with increased factors that can lead to property damage. But simply having basic homeowner coverage doesn’t protect you from every type of damage.
Standard homeowner’s insurance in Tampa may cover:
- Water damage from broken appliances, piping, or fixtures
- Fire and smoke damage
- Wind and hail damage
- Direct impact from flying debris
- Personal liability
- Damaged valuables, like personal belongings
This is a good range of coverage, but again, this won’t cover everything that could happen to your Tampa property. If you file an insurance claim for damages that aren’t under basic homeowner’s insurance and you hold no additional policies, it becomes clearer as to why you received a denial.
Distinguishing Flood Insurance From Typical Water Damage Coverage
Many property owners in Tampa only have regular water damage coverage, thinking that flood damage is also included in their policy. Yes, flood is water, but these types of damage are counted separately. Filing for flood damage as a typical water damage claim is one of the most common mistakes that often leads to a denial. The easiest way to prevent a denied claim this way is to review your policy, add any extra coverage as needed and buy a separate flood policy.
Navigating a natural disaster can be difficult. That’s why we gladly help with every type of property damage claim, including flood claim services in Tampa!
Other Coverage Types Every Tampa Property Owner Should Consider
Whether you’re a homeowner or property manager for an apartment, condo, or commercial building, it’s always wise to include additional coverages in Tampa to limit the chances of a denial. Here are some that we highly recommend:
- Hurricane
- Tornado
- Burst pipe
- Loss of income
- Separate flood policy
Learn more > Are You Covered For Damages Which Result From Uncovered Loss?
The Connection Between Wrong Claim Types and Denials
Claim denials aren’t always straightforward. Sometimes, a “wrong” claim might be the result of a simple misinterpretation. It might be a challenge to convince your insurer that the error was made unintentionally and not as a deliberate act of fraud. Hiring a public adjuster in Tampa is a great way to clear the air and receive what you are owed. These experts are skilled in the art of communication and can relay your intentions in a way that your insurer can understand.
Make Sure You’re Doing It Right. Schedule a Policy Review With Altieri Insurance Consultants Tampa Today!
Don’t give up after receiving a claim denial. Call Altieri Insurance Consultants Tampa today at (813) 247-4757 and let our team of skilled public adjusters take a look! Prevent future claim denials with our professional policy reviews.
