Your property endured a bit of an accident, and so you submitted an insurance claim (as you should). The place already needed some work done after a prior incident, but you never had the time to fix it up. Did you think that you could take your new settlement check and repair everything all at once? Killing two birds with one stone? You might have found out the hard way that’s not how the insurance game works. We’re here to uncover the truth about insurance claim denials and offer you our expertise as the partner property owners rely on!
Reach out to Altieri Insurance Consultants Ocala today for a team of public adjusters who can help you appeal a denial and introduce you to our pre-loss program to prevent future denials.
Insurance Is For the Unexpected, Not the Preventable
Let’s get one thing straight. Insurance coverage is meant to compensate you in situations where you can’t help the damage from happening. Natural disasters, genuine accidents, and in some cases, vandalism are all covered events. You were never meant to use your coverage, however, to fund routine maintenance or repairs for damage that could have been prevented with regular care. Understanding this is a crucial step to becoming a better Ocala property owner and circumventing insurance claim denials.
Common Reasons Why Claims Get Denied In Ocala
Pre-existing damage is labeled as a hazard among insurers who are tasked with inspecting property claims. It is unethical and possibly even criminal for property owners to hold off on making maintenance repairs with the intent to include that damage as part of a claim filing when they think they have sustained covered damage. Depending on the amount of time the ignored maintenance sits before a real claim can be filed, it is natural for the existing damage to degrade to such a point that it becomes easily recognizable as not being newly incurred. Honesty is always the best policy because you would never want to be accused of insurance fraud.
Situations that might result in a denied claim in Ocala include:
- Roof damage from normal wear and tear
- Age related degradation of materials
- Continued & repeated leaking of plumbing over a period of time
- Resulting mold and rot from ignored moisture related intrusions
- Damage that occurred before the policy became active
How Can Insurance Companies Tell If There Was Pre-Existing Damage?
There are property owners who think they can get away with passing off existing damage as new. Unfortunately for them, this can create serious consequences beyond claim denial if they become accused of misrepresentation or concealment by their insurer. Insurance companies are not to be underestimated in this regard. Insurers have experienced property inspectors who can spot the difference between new and old damage rather easily. Keep in mind, these inspectors do this sort of thing for a living, and they are paid to protect the interests of their employer. Insurance company adjusters have a myriad of ways to uncover old or pre-existing damage, therefore, without professional help on your side to decipher between old or new damage, you can easily end up with the short end of the stick.
With the above being said, there’s always the chance of your claim being wrongfully classified as pre-existing and denied. The best way to find out if you have a covered claim is to reach out to the Public Adjusters at Altieri Insurance Consultants. Altieri has been able to persuade countless insurers to reverse their denial positions then pay our client claims even after formal denials have been made. Altieri adjusters can determine if there is pre-existing damage, or you have a legitimate claim. Even if you’ve already filed the claim and received a denial, our Public Adjusters in Ocala are ready to analyze your loss and if the circumstances warrant, fight on your behalf.
Can I Appeal a Denial? What to Do With a Denied Claim:
If you believe your insurance claim was wrongfully denied, Altieri public adjusters in Ocala can review your case and if warranted reopen your claim to make an appeal. Altieri adjusters will gather all of the right evidence; photos, videos, receipts, maintenance records, testimonials, and use them to negotiate on your behalf. As long as your story is accurate, it is entirely possible to turn a denied claim around and get that pay claim check released to you.
Read more > How Successful Are Insurance Claim Appeals? Is Hiring An Adjuster Worth It?
Ready to get what you are owed?
Call Altieri Insurance Consultants Ocala today at (813) 247-4757 to get started on your claims appeal! We’ll help you sort out the details of your denied claim and do what we can to get your life back.
