TOP 3 REASONS FOR DENIED CLAIM

yes it happens! and it happens more often than you think. Take a minute to read this. These few simple tips can help you get paid for damages faster and easier. Less investigation will happen and you will have a solid claim against your insurance company.

Floridian talking to home insurance company about denied claim

TOP 3 REASONS FOR DENIED CLAIM

yes it happens! and it happens more often than you think. Take a minute to read this. These few simple tips can help you get paid for damages faster and easier. Less investigation will happen and you will have a solid claim against your insurance company.

Floridian talking to home insurance company about denied claim

1. PROPER PAPERWORK

Let’s start with something so basic but sometimes overlooked when you’re thinking about getting everything protected. Here are a few things that insurance companies always ask us for but most homeowners forget to do/have.

THINGS YOU CAN DO BEFORE THE STORM

  • VIDEO. Record the outside and inside of the home. We mean everything! Video of the closets, the utility room in the backyard. Inside and outside of the home.
  • PHOTOS. take good photos of specific things you know a picture would be a better answer for. Attics? Trees? maybe the details to the edge of your roof? You know your home better than we do! but you get the idea!!
  • KEEP THE RECEIPTS. Everything you bought to protect your home (Plywood, shutters, sand bags, etc) make sure to keep the receipts for that. Any receipts for renovations you did of old claims.

2. PROTECT YOUR HOME

Not sure if you have read over your homeowner policy but there are timeframes and actions that the insurance companies expects of you in order to be able to quality to file a claim. You must make sure you make the efforts to protect your home the best way possible. That means putting up shutters or plywood if needed.

THINGS YOU CAN DO BEFORE THE STORM

  • USE SHUTTERS. This isn’t the 90’s you aren’t forgiven for not putting up shutters or at least plywood. We are all sold a home with shutters now a days. and most already have accordion shutters. Close them! Use Them! If you do not protect your windows and entry points you can be denied for negligence
  • SET SANDBAGS IN AREAS WITH FLOOD ADVISORY. Water damage will cause more than just some wet carpets. It will build up mold and build it up fast in this tropical Floridian weather. Make sure to protect points of entry to the house with sandbags if you know you will have floods.
  • CLEAN UP THE YARD. Make sure to bring in anything that can become a projectile towards the home. This shows you were negligent in caring for the better of your home.
home in Florida with shutters
Free Damage Inspection

3. BEING NEGLIGENT | REPORT ON TIME

We all procrastinate in our daily lives with one thing or another, but your hurricane claim should definitely not be one of them. Although by law you do have 3 years to file a claim, you can still be considered negligent for not having filed on time. The more time you let go by seeing the damages your property had, the bigger the chances of getting denied a claim. We know some damages might take time to surface, like roof leaks claims, but don’t wait if you spot damages right after the storm. Get a better response on your claim and have less chances of having your claim end up in court, getting a settlement 2 years later.

THINGS YOU CAN DO AFTER THE STORM

  • FILE WITHIN 30 DAYS. More than 90 days after the storm and your case starts to get cloudy skies. Insurance companies can start to argue by saying you’re being negligent of your property. This opens grounds for them to say that your damages would have been less to repair if you would have made a claim earlier.
  • GET HELP FROM A PUBLIC ADJUSTER. Experienced & certified public adjusters will make sure you do not miss one cut off date on your claim. Sending in the documentation within the right time and the right way. Ricardo’s team of adjusters can help. We offer a free four-point inspection of your home that will let you know if you have damages you can claim to your homeowner insurance.
  • FAILURE TO COMPLY WITH DUTIES AFTER STORM.  All insurances have a procedure you need to follow and certain things that are expected of you. Do not end up with a denied claim over trying to handle this on your own. Bring the experts onto your team.

We’ve Recovered More Than 100 Million In Damages

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Ricardo public adjuster handling a denied claim-min
Ricardo public adjuster handling a denied claim-min (2)

We’ve Recovered More Than 100 Million In Damages

Always Providing Personal Care For Your Claim

Talk To An Adjuster

FOR ONCE! SIZE DOESN’T MATTER!!

“This damage won’t meet the deductible on my policy”

A very common misunderstanding that homeowners have is that the size of the damages from a hurricane are too small to be able to file a claim and reach your deductible. It’s normal for you to think this way because you simply do not have the right experience to know the market-value of home repairs. But in most cases, homeowners under estimate the costs to repair their home back to the exact conditions it was before Hurricane Dorian hit. Isn’t that why you pay insurance after all? Get a free four-point inspection of your home before you run the chance of getting denied for negligence.