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Your home may have suffered damage due to fire, flood, mold or burglary but you know that this is where your homeowners insurance will come into play and cover all or most of the cost for repair. Most homeowners’ biggest fear with their insurance policy is the rates increasing due to a claim, but what do you do if the insurance company flat out denies your claim. Even though your first instinct will be to give your insurance agent a piece of your mind as you have been doing your part by paying your premiums and feel cheated. Before you call your insurance agent, take a look through our list of steps to take after a denial to ensure that you have all your information correct.

Review the Policy

Most homeowners do not go through their homeowner’s policy in detail before filing a claim to ensure that they fully understood what is and isn’t covered. Some of the typical reasons for denial are failure to pay premiums, perils that aren’t covered, insufficient preventative measures of inadequate documentation of the damage.

Understand the Denial

Upon denial, your insurance company should send you a formal letter from the adjuster that details why the claim was denied. There are a few questions you should keep in mind: Did the adjuster not fully understand the situation? Were there insufficient photographs or other evidence to back up the damage claims? Does the problem appear to be a filing error? These answers will assist you in understanding the details of your denial and this may allow you to send in additional information that may assist any appeals you may file.

Seek Assistance

If you are having problems with an insurance claim, contact us and let our specialists at United Claims Specialists help. We have years of experience in dealing with insurance companies and we’ll ensure you case is treated with care. We handle both residential and commercial property claims, and can help with everything from fire and smoke damage to storm and leak damage to burglary and vandalism.