A claim denial doesn’t have to mark the end of the story. Your property is your livelihood and investment; it’s worth fighting for at all costs. So, before accepting defeat, do what you can to turn the tide. This guide goes over every step to take to fight back against a denied insurance claim. When you’re ready to get what you are owed, hire your local team of reputable public adjusters at Altieri Insurance Consultants Tampa!
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Even if you turn around a denied claim, your insurance may try to cancel your policy after the claim is settled. Read our guide, “Can Insurance Cancel Your Policy After a Claim in Tampa?” to be prepared for every scenario. |
Step #1: Fully Read and Comprehend Your Denial Letter
You’ve been waiting a while to hear back from your insurer, only to open up a letter with “DENIAL” stamped across the top in red. Don’t panic. Instead, learn more about why your claim was denied.
It’s not uncommon for insurance companies to make mistakes. Look over the details of the denial letter yourself and look for any possible discrepancies that could be used in negotiations. Most denials reference some policy language, and like most contracts, wording can be interpreted in a multitude of ways.
A Tampa-based public adjuster with a history of success can be your best chance at finding any reason to fight back a denied claim.
Learn more > How to Respond to a Reservation of Rights Letter – And How We Can Help
Step #2: Gather As Much Photo and Video Evidence As Possible
Gathering evidence is the second step because you first need a lead on what to look for. Without knowing the reason why your claim was denied, you could be running around your property blind as a bat trying to figure out what went wrong.
Once you’ve found a place to start, you can take photos and record videos of the damage in question as tangible proof to use in your rebuttal.
Experienced public adjusters in Tampa know how to take the best images and footage, making sure to get all of the right angles to support overturning your claim.
Step #3: Hire a Reputable Public Adjuster
You may have already hired a public adjuster by this step, but there are even more reasons to bring in a professional for a denied claim that you should know about.
Important note: It is never too late to hire a reputable public adjuster in Tampa because these experts can help you during every stage of the claims process. Professional Public Adjusters will conduct interviews with you to fully understand all circumstances surrounding your loss. From there, they can compare those events to the interpretations your insurer used to find a way to deny coverage. Over the years, it has been common practice for Altieri adjusters to uncover the right evidence that fits into the policy coverage, turning the insurance company’s decision around to generate proper payment. We have turned many sad stories of denial into successful recovery.
Public adjusters can help you fight back against a denied claim with:
- Policy reviews
- Evidence gathering
- Damage assessments
- Representation
- Negotiations
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Need a team you can truly count on? Altieri Insurance Consultants proudly carries a team of dependable public adjusters in Tampa, making us the partner property owners rely on! |
Step #4: Send a Formal Appeal
At this point, you have everything you need to turn in an appeal for your denied claim. As long as you follow the previous steps, you should have a better chance of receiving a fair settlement for your property in Tampa.
Important note: Before sending in your formal appeal, see if your insurer has specific requirements for how to submit it. They may want a specific form or might only accept certain methods of submission.
Think Your Claim Was Wrongfully Denied? Hire Altieri Insurance Consultants Tampa! We’ll Help You Fight Back and Get What You Are Owed
With the right circumstances, Altieri will prepare a case for coverage that either convinces your insurer to pay, or the claim is set up for alternative means for you to be successful in getting paid. It never hurts to try. When your future depends on the restoration of your property, Altieri Insurance Consultants Tampa is here to help you fight a denied insurance claim and help you get your life back! Call (813) 247-4757 today to schedule an appointment with our reputable team of public adjusters near you.
