Why Was Your Property Damage Claim Denied?

Car crashed through house garage

Car crashed through house garageThe main point of property damage claim is to help you financially recover after a disaster ruins your home. A reliable public insurance adjuster in Florida can help you make the most of your claim by making sure you fulfill all the requirements. Getting professional support would help you resolve the issues that plague most insurance claims.

There are, however, instances when your policy can’t pay for the damage. Insurance companies may deny your claim for the following reasons:

Late Notification

Failure to promptly notify your insurance provider of a loss may be reason enough to deny your claim. But in some cases, the decision to nullify your property damage claim is up for a courtroom proceeding. A notice of loss can depend on when you notice actual damage; some instances of damage are not apparent until a certain period and so a “prompt notice” can be a point of legal contention.

Inaccuracies in the Documentation

As the owner of the property, you should document the damage properly to prove your claim to the insurance company.

Exclusion Clauses

When you apply for an insurance policy for your property, it comes with exclusions and if these are the reasons for damage, then you can expect a denial of your claim. As a policyholder, you must make sure that you know what your policy covers and excludes.

No Preventive Measures Following Damage

Once you’ve suffered a loss, you must protect your property from further damage. Not taking the necessary steps to keeping your home safe could be grounds for denial.

The most common misconception revolving around insurance policies is that it covers all types of damages. It will cover losses to some extent, but your provider has exclusions that you need to know.

Once you purchase a new home, getting insurance for it is necessary to cover your losses and manage financially in the aftermath of a disaster. But do your research before settling with an insurance company. The more you know now, the fewer issues you’ll have to deal with in future claims.