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How to Avoid Your Residential Claim Being Denied

Oct 6

Every day, homeowners insurance cases are denied. If you have ever had your homeowners insurance claim denied, you are familiar with how frustrating it can become to resolve the matter. There are some things that can be done to avoid this happening in future.

There are many things you can do to avoid your claim being denied. You should ensure that you have correct coverage and policy.

You shouldn't attempt to fix any damage such as a cracked window or a leaking pipe. This can cause problems with your claim.

Make sure you understand your home-insurance policy.

The first step to avoiding having your claim denied is understanding your insurance policy. It is important that you understand what your policy covers and what it doesn't. Reading your policy carefully before you file a claim will help you to get a better understanding of the situation. This means that if your insurer denies you a claim because of something technical in the contract, there is still a chance for you to make them reconsider.

All claims must be filed promptly

It is best to file a claim as soon as possible after an event. It is advisable to contact your insurance company within 24-hours of an incident that causes a loss.

Complete your claim in a correct manner

Incorrect filing will prevent your claim from being processed. Sometimes, this might mean calling the police to report theft, arson, or other types of theft. Calling your insurance is the best thing you can do. Complete all required information when filing a residential claims.

It is important to remember that every insurer has specific requirements. So make sure to include these wherever applicable.

  • Keep copies of original receipts with purchase dates and prices.
  • Rectificates/bills that have been cancelled and show charges for items or services used after recovery.
  • Take photos of the damage and save them.
  • Any other written evidence that may be relevant to your claim, such receipts for purchases made to replace items lost or damaged, could also help you.
  • Any police reports
  • If you decide to move out from a rental property before it is fixed, you should ask the landlord/agent who will be responsible for repairs and costs.
  • Information on any insurance policies covering loss, such Public Liability Insurance, etc.

Double-check all policies.

If you are not certain about your home's coverage, it's important to review the contract thoroughly before you file a claim for damages or theft.

The right coverage is essential for repairs and property replacement.

Don't attempt to fix any damage yourself. To avoid being held liable for additional damage, hire a professional. Insurance companies have the right to deny coverage because of provisions banning illegal activity. This invalidates their obligation towards damages.

Following these steps will not cause you to lose your residence insurance claim.

What should you do if your residential claim has been denied

There are still steps that you can take to make sure your insurance policy is as good as possible even if your claim has been rejected. These are some tips to help you when your insurance company denies a claim.

  • You can call your insurance company to ask questions. Or, you can read your policy and find out if there are specific reasons the insurance company might have denied your claim.
  • If your policy exclusion caused it, make note of that fact and don’t claim another similar one.
  • You can appeal this decision to the insurance company by contacting your broker or agent.
  • To check if the contract or policy has changed, If the answer is yes, it may be that the contract or policy has changed. If this happens, you could lose coverage.

Select Adjusters can assist with filing your residential claim.

It makes the process easier to speak with an agent familiar with your insurance company. You may still be denied some claims by your insurer even though you have done everything right.

Choose Adjusters is here to help homeowners appeal these unfair claim denials. In addition, we work with insurers to ensure your claim gets paid on time.