Claim Denials
If you’ve had an insurance claim denied, you still have the right to appeal the claim denial from your insurer (check you state statues for allotted time.) An appeal of the denied coverage gives you another chance to have the claim paid for by the insurance company. The good news is that there is help in appealing claim denials and many have had success in overturning the denial and getting a payment on their loss.
Those who go at it alone say the biggest challenge may be the time and effort it requires to fight a claim denial. The process can feel overwhelming for claimants dealing with a unlivable home or non functioning business, and other concerns.
The most important thing to remember when appealing a claim denial is to not give up, especially when the denial affects your greatest investment whether it be your home, business or other prized possession.
Overall- dealing with an insurance denial requires patience.
Claim Ally has been instrumental in overturning Denials in their client’s claims.
We will:
- Get clarification on why your claim was denied. Common reasons for denials by insurers include: Wear and Tear, Long term damages (example: slow leak), Faulty Workmanship, Failure to Mitigate, policy cancelled, etc.
- Review your policy to see if it truly excludes your claim. Sometimes the wording in the policy says something that is up for interpretation and your insurance company has viewed it as a way not to pay. We will look for ways to change their thinking.
- Document the file to legitimize the claim We along with your help will build the case for your appeal. Collecting claim letters, inspection reports, copies of standard procedures, timelines all will assist us in changing the insurance company’s mind.
This is likely to be most effective way to overturn a claim denial.
There is no need to feel alone when preparing to file your claim appeal. Claim Ally can help. Working together, we will increase your chances for success.
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