If your claim for water damage or flooding has been denied by your insurance company, you’re probably feeling a little frustrated and helpless. The good news is that there are certain actions you can take in order to get your claim reconsidered, and to perhaps even get it approved the first time around. These are some of the steps you can take when your water damage claim has been denied.
Check your insurance policy
It’s never a good feeling to have your water damage claim denied. The first thing you should do is check your insurance policy. If the denial was due to insufficient coverage, this could be a great opportunity to get more coverage or increase your deductibles. If there was no coverage at all, it might be time to start shopping for new insurance policies that are right for you and your needs. Be sure to contact your current provider as well in case they offer a certain type of protection that you don’t know about. You can also contact an agent who specializes in insurance coverage to find out what options are available for you. They may also be able to help you decide which option will suit your needs best. Remember: water damage can happen at any moment without warning, so it’s important to always be prepared for the worst.
Gather evidence
If your water damage claim denied, it’s important to remember that not all insurance companies are the same. That said, there are certain things you can do to help make a case for why you should be covered: * Take pictures of the damage * Document the dates and times when water was released or flooding occurred * Keep copies of any correspondence with your insurance company * Gather as many receipts as possible for repair expenses (indicating what has been repaired and how much was paid)
* Obtain quotes from contractors in order to substantiate expenses incurred while trying to fix the water-damaged property. These estimates should include labor and materials.
* Find someone who will testify on your behalf about how long water may have been leaking at your property. It would also be helpful if this person could describe the exact location of where they saw water seeping into your home, along with its volume (i.e., steady stream vs sporadic drips).
Speak to your adjuster
I’m sorry, but the water damage in your home was not caused by a covered peril. This statement can be devastating if you’re one of the many people who’s had their water damage claim denied. You may have been looking forward to receiving your compensation for all of the damages that you’ve incurred, but now you’re left with nothing. It’s important to know how to handle this situation so that you can get back on your feet and start moving forward again. Here are some steps that may help you take when dealing with your water damage claim denied: – Contact your insurance company or agent: You should reach out to your insurance company or agent about what happened and find out why the water damage claim was denied. – Research it: Take some time to research why the water damage in your home wasn’t deemed a covered peril, as there are several different reasons why this could happen. – Speak to an attorney: You might also want to speak with an attorney about what you should do next; after all, they will likely be able to help guide you through the process and give you advice. There are various reasons why a water damage claim denied, including not following instructions from the adjuster or homeowner’s policy. Even though it is difficult to face a denial letter, there are ways to move past this obstacle and make sure you recover fully from your water disaster.
Hire a public adjuster
If your water damage claim is denied, you may have the right to file a lawsuit. A lawsuit can help you recover any damages or losses incurred as a result of the water damage. You may also be able to get an additional amount of money in compensation for pain and suffering, if it was due to negligence on the part of someone else. Speak with a qualified attorney before filing a lawsuit so that they can advise you on your situation and whether or not you have a case worth pursuing. It is possible that there are other issues involved in the water damage (e.g., insurance) that might necessitate hiring both a public adjuster and an attorney to represent you – this will depend on your unique circumstances. Keep reading to learn about what happens when your water damage claim is denied and how to handle it.
File a lawsuit
If your water damage claim denied, don’t just let it go. Read the denial letter carefully and research the company’s policies. If you’re not sure why your claim was denied, call and ask! If you disagree with the decision, file a lawsuit to get reimbursed for the damages. Keep in mind that lawsuits are often costly and time-consuming so try to only use this as a last resort. The National Association of Insurance Commissioners recommends calling an insurance agent or broker if you have any questions about water damage claims. They may be able to help negotiate a settlement on your behalf.
Water damage claim denied? Here are some other things you can do when your water damage claim is denied:
a)File a lawsuit – File a lawsuit if you think the reason for water damage claim denied is unfair. Check out what type of dispute process they offer to see how long it would take before they settle. b)Get legal advice – You might want to speak with a lawyer who has experience dealing with homeowners insurance cases. In most cases, lawyers will charge either by the hour or by the project and give you advice on what steps to take next)Try mediation – Mediation means meeting in person (or over Skype) with all parties involved to find common ground for reaching agreement and solving problems between each other.
