Filing a homeowner’s insurance claim can be frustrating—especially if your claim was denied when you expected coverage. As a Public Insurance Adjuster in Florida, I see homeowners facing this situation far too often. The good news? A denied claim doesn’t mean it’s over. You may still have options to fight the denial and recover the payout you deserve.
Common Reasons Insurance Companies Deny Claims
Insurance companies often deny claims for several reasons, but many of these denials can be challenged. Here are the most common reasons for denials and examples of how they happen:
- Lack of Proper Documentation – If you don’t provide enough evidence of the damage or its cause, the insurer may deny your claim.
Example: A homeowner submits a claim for roof damage but doesn’t provide photos from before the storm. The insurer argues the damage was pre-existing and denies the claim. - Policy Exclusions – Some types of damage are not covered under standard policies, leading to denial.
Example: A homeowner experiences flooding from a storm surge. The insurer denies the claim, stating that flood damage requires a separate flood insurance policy. - Missed Deadlines – Insurance policies have strict timelines for filing claims and submitting documents.
Example: A homeowner waits six months to report water damage from a burst pipe. The insurance company denies the claim, citing late reporting. - Claim is Below Deductible – If the insurance adjuster estimates the damage at a lower amount than your deductible, they won’t issue a payout.
Example: A hurricane causes roof damage, but the insurer claims repairs will only cost $4,000, which is below the homeowner’s $5,000 hurricane deductible. - Pre-Existing or Gradual Damage – Insurance only covers sudden and accidental damage, not ongoing wear and tear.
Example: A homeowner files a claim for mold damage, but the insurer denies it, stating that the mold was caused by a long-term leak rather than a covered event.
When Should You Contact a Public Adjuster?
If your claim was denied, don’t accept the insurer’s decision without a second opinion. Many claims are wrongfully denied due to misinterpretations of policy language, lack of proper documentation, or undervaluation of damages. Contact a Public Adjuster as soon as you receive the denial letter—waiting too long could limit your ability to appeal.
How We Evaluate Your Denied Claim
When you reach out, we will:
✔ Review Your Policy – We carefully analyze your coverage, exclusions, and deductibles to determine if the denial was justified.
✔ Examine the Insurance Denial Letter – We look for errors, vague explanations, or inconsistencies in the insurer’s reasoning.
✔ Assess the Damage – We conduct a new, independent inspection of your property to document the full extent of the loss.
✔ Gather Supporting Evidence – If necessary, we bring in experts like engineers, contractors, or moisture specialists to strengthen your claim.
No Cost for an Evaluation
We provide a free, no-obligation review of your denied claim. If we determine that your claim was unfairly denied, we will handle the entire appeals process on your behalf—you pay nothing upfront, and we only get paid if you receive a settlement.
Benefits of Hiring a Public Adjuster for a Denied Claim
- Higher Chance of Approval – We know how to counter insurance tactics and get claims reconsidered.
- Maximized Payouts – Insurers often underpay or deny valid claims. We fight for the full amount you’re owed.
- Stress-Free Process – We handle all negotiations and paperwork, so you don’t have to.
If your claim was denied, don’t give up. Contact us today for a free evaluation, and let’s fight to get you the payout you deserve.