There is no place for panic
If you had some unfortunate event you have certainly tried to pursue a claim. You were counting on the insurance company to cover the damage, but your claim was denied. Don’t panic, they got the battle, but not the war. Getting insurance is a responsible and grown-up thing to do. You shouldn’t regret this decision because of your claim denial. Although they are generally doing a good work, insurance companies can be deceptive sometimes. They often use tricks and tactics to deny the claims and increase their profit. But there is a cure for this too. And there are experts on how to handle insurance denial. So don’t you worry, nothing is definite yet.

Damages covered by insurance
- The fire has countless causes and can occur at any time. It can be caused by electrical problems, lightning strikes, appliance malfunction or simply leaving an appliance on for too long, cigarettes or candles. Anyhow, if your claim for fire damage was not accepted, you should figure out how to handle insurance denial.
- Sunny Florida hides a high risk of tornadoes and hurricanes. Therefore, you should protect yourself from hurricane damage.
- Humidity, leaking pipes, heavy rain, flood, and many other factors can cause mold. Before you handle damage caused by mold, make sure to check the reason and to ask the insurance company to accept your mold damage claim.
- For vandalism damage, you need a police report as well. Only after you get that and contact the insurance company you can start fixing the damage, not before.
- Business interruption is a problem most companies face sooner or later, unfortunately. It is a delicate matter and causes vary from supply chain disruptions and cyber risks to natural disasters.
- Water damage usually occurs when water leaks from the pipes that broke or cracked at some point. Water seeping through these cracks on the pipes may often seem harmless. However, if the system is constantly in usage, as it is mostly in a toilet, it can cause quite some damage.
- The value of the belongings, the size of your land and your house are what determines the height of insurance when it comes to flood damage. This is because floods are perfectly capable of damaging anything inside your house.
- Nowadays, many people across Florida and the entire country have started noticing unusual damage to their property. The cause is a sinkhole. Those holes in the ground are caused by a gradual, natural process of erosion. First of all, you should learn how to recognize sinkhole activity before filing sinkhole damage insurance claims.
- Roof damage can happen due to snow, hailstorm, rain or hurricane. Strong wind is also capable of damaging rooftops, especially cyclones and tornados. They are also able of ripping roofs apart. This is definitely something you should pursue a claim for.

First of all, read your policy
You should read it up carefully so you know what your policy is supposed to cover. The policy itself should say how to appeal if your claim is denied. There are typically two levels in the appeal process. The first one an internal appeal conducted by the insurance company. The second is an external appeal conducted by some independent third party. That third party could be you, or professionals you hire. There are companies that handle insurance denial for you, also called public adjusters, such as a-zclaimsadjusters.com.
Be persistent
If you have questions on the appeal process, and you probably do, you should insist on answers. You should just reach out to your state insurance department for an explanation. Be persistent until it becomes crystal clear. It’s their job to assist you on this.

Gather your documents
This is a tricky one. But if your claim is denied, you should get a notice from your insurer. Prepare a list of questions about the denial and gather documents. Collect policy, the summary of benefits and coverage, and the denial letter. After that, contact your insurance company. The contact information should be written on the back of your insurance card and the denial letter.
Outsmart them
While speaking with company representatives, make sure to take notes. Write down the name of the person you’re talking to and the date and time of the conversation. This way you will have proof of that conversation and a contact. Also, ask for the person’s direct phone extension in case you need to reach them again. It is much easier to remind someone of the previous talk than to explain everything from the beginning.
Write a letter
Most noteworthy, formal appeal usually requires you to send a letter to your insurance company. In that letter, you will ask them to reconsider the claim. In that letter, you should be specific about why you think it should pay your claim. Make sure you include details like why you need their assistance and why your policy should cover it. Include evidence like reports, photos, and conversations with their agents. The more details you include, the bigger is a chance to handle insurance denial successfully. Also, keep a copy of everything you send to the insurance company.

Hire professionals who will help you handle insurance denial
Finally, if you need someone to investigate your insurance claim and to determine the extent of the insuring company’s liability, hiring professionals is the safest way. Good news is that there are companies you can rely on to assist you with that. They are something like a Robin Hood in the insurance world. They help you every step of the way. That includes everything from the beginning to the end of your damage claim process. All you have to do is to get your insurance policy ready and give them a call. They will take it from there.