Dealing with a home insurance claim can be stressful, especially when you disagree with the adjuster’s assessment. Many homeowners find themselves in this frustrating situation after experiencing property damage or loss. If you disagree with the insurance adjuster’s decision, you have options to dispute the claim and potentially receive a fairer settlement.
The first step is to carefully review your homeowners insurance policy. Understanding your coverage limits and what types of damage are included can provide valuable insight into whether the adjuster’s assessment aligns with your policy terms. It’s also important to gather additional evidence to support your claim, such as photos, videos, or expert opinions on repair costs.
If you still believe the adjuster’s decision is unfair after reviewing your policy and documentation, consider contacting your insurance agent or the company’s claims department directly. Request a second review of your claim, possibly with a different adjuster.
Working with a property damage lawyer is another way to ensure you get a fair payout. Oftentimes, the insurance company will take you a little more seriously just because you have an attorney. If you are in Florida and are dealing with a property damage claim, as many are after the recent hurricanes, The Landau Law Group is here to help.
Contact us today for a free case review.
How to dispute a denied homeowners insurance claim
Disputing a denied homeowners insurance claim requires careful preparation and persistence. Several strategies can be employed to challenge the insurer’s decision and potentially secure coverage for the damage.
Review your claim and coverage
Carefully examine the insurance policy and claim details. Identify specific language that supports coverage for the incident. Compare the denial reasons against policy provisions. Look for any misinterpretations or oversights by the insurer. Gather additional evidence such as photos, videos, or witness statements that strengthen the case. Organize all relevant documents chronologically. Consider seeking a second opinion from an insurance professional to spot potential errors in the denial.
File an appeal
Submit a formal written appeal to the insurance company. Clearly outline why the denial was incorrect, referencing specific policy language. Include any new evidence or documentation supporting the claim. Request a full review by a different claims adjuster. Follow up regularly on the status of the appeal. Be prepared to provide additional information if requested. Consider escalating to a supervisor if the initial appeal is unsuccessful.
Get another opinion
Hire an independent insurance adjuster to reassess the damage. Their expertise can provide a neutral perspective on coverage and repair costs. Public adjusters work on behalf of policyholders rather than insurance companies. They may identify valid claim aspects overlooked by the insurer’s adjuster. Compare their assessment to the original denial. Use any discrepancies to bolster the appeal. Be aware that public adjusters typically charge a percentage of the claim amount.
File a complaint with your state’s insurance department
If the insurer refuses to reconsider, contact the state insurance department. File a formal complaint detailing the claim denial and appeal process. Provide copies of all relevant correspondence and documentation. The department may investigate whether the insurer followed proper procedures and regulations. This step can prompt a more thorough review by the insurance company. Be patient, as the process may take several weeks or months.
Hire a property damage attorney
For complex or high-value claims, legal representation may be necessary. Property damage attorneys specialize in insurance disputes. They can navigate the legal intricacies of policy language and coverage laws. Lawyers may negotiate directly with the insurer or pursue litigation if needed.
At Landau Law, we’ve helped our clients recoup millions for property damage. Contact us today for a free case consultation to learn how we can help you!
Florida Property Damage Lawyers
Property Damage Blog Posts
What To Do If You’re Denied Hurricane Damage Claim For Home
Hurricane damage can be devastating for Florida homeowners, leaving them in a state of distress and financial uncertainty. When insurance claims for such damage are denied, it adds another layer of stress to an already difficult situation. Facing a denied claim...
Guide To Documenting Damages For A Florida Flood Claim
Proper documentation of flood damage is crucial for a successful insurance claim in Florida. When floodwaters recede, homeowners face the daunting task of assessing and recording the extent of their losses. Thorough documentation, including photos, videos, and...
How To Sue Your Neighbor for Property Damage in Florida
Property damage disputes between neighbors can quickly escalate, turning once-friendly relationships sour. If you're facing significant property damage caused by a neighbor in Florida, legal action may be necessary to protect your interests and recover damages. In...
Common Reasons Your Florida Hurricane Damage Insurance Claim May Be Denied
Florida homeowners face a daunting challenge when their hurricane damage insurance claims are denied. Understanding the common reasons for these denials can help you navigate the claims process more effectively. Insurance companies may deny claims due to inadequate...
Before and After a Storm Hits: What You Need To Know
Property Insurance laws have changed and so has the language in most policies. Make sure you’re prepared before the next storm hits. Understanding how the law changes will impact you and knowing what your policy actually covers (and doesn’t) is critical. That’s why...
How Long Does An Insurance Company Have to Pay a Claim in Florida?
Dealing with insurance claims can be a complex process, especially when you're unsure about the timeline. In Florida, insurance companies don't have a specific deadline to pay out claims. Instead, state law requires insurers to settle claims "within a reasonable...
How To Prepare For A Recorded Statement
Giving a recorded statement for an insurance claim can be a crucial step in the process. It's important to approach this task with careful preparation and a clear understanding of its potential impact on your claim. Take time to outline the key facts of your claim...
How Does Condominium Duty of Care Work in Florida? Legal Responsibilities Explained
Condominium living in Florida comes with specific rights and responsibilities, especially when it comes to duty of care. As a condo owner or board member, understanding these obligations is crucial for maintaining a safe and harmonious community. In Florida,...