People are creatures of habit who are constantly in pursuit of added security. Over time, various types of insurance have proven to be a useful way of fighting our insecurities and achieving some peace of mind we all desperately need. We rely heavily on insurance companies and have faith they will protect us after a natural disaster, robbery, or a medical emergency. Little do we know that settling a claim once the opportunity presents itself is never that simple. So, what should you do, or what should I do if my claim is denied? That’s something you are bound to ask yourself sooner or later in life, especially if living in a state such as Florida, where natural disasters are a common occurrence. Should you hire an attorney to help you settle a claim? Should you fight your own battle? Is there another course of action? It’s high time you found out!
Have you asked yourself the famous question: ‘What should I do if my claim is denied?
Usual reasons why claims are denied
Think of it like this. If your claim is approved, the insurance company will have to cash out a significant sum of money. It is only reasonable that they would try to do everything in their power not to pay you off. However, even though your insurer will be looking at all the loopholes in order to find a reason, sometimes you will be the directly responsible person. Having that in mind, make sure to do your part of the job. Here are some of the most common reasons why an insurance claim gets denied – make sure it doesn’t happen to you.
- You didn’t read your policy carefully. Do not try to settle a claim without reading the entire policy from top to bottom. You must know all the conditions and terms before heading to the insurance company.
- You didn’t gather the sufficient paperwork. Unless you want to wonder what to do now that your claim is denied, here is a tip for you – work on your paperwork. You have to gather all the necessary documents that include the extent of the damage and the comparison between the previous and current condition of your items.
- You failed to give a timely warning. There is a window of time when it is acceptable for you to notify the insurance company that the accident happened. Should you fail to give notice in due time, your claim will be denied. You can’t have a slip and fall accident and notify your health insurance provider two months after it and expect them to believe you without gathering any proof of their own, can you?
You could pay a price too high for being careless.
What should I do if my claim is denied?
So, now that you know a few of the most common reasons why a claim is denied, hope remains that you won’t make such a mistake. In case you abide by the law and still have your claim denied, the procedure is as follows.
First and foremost, hire the appropriate help
When it comes to fighting any type of legal battles, you should never rely solely on your wit. There are trained professionals who can and should fight the battle for you. Your first course of action should be to hire a public adjuster, which is something you should do even before the claim gets denied or approved. Companies like A-Z Claims Adjusters that specialize in settling these types of disputes know how to bargain for the highest possible amount you are entitled to. If that doesn’t work, you should seek out the help of a lawyer.
Appeal the decision
Luckily, when not satisfied with a decision that has been made, we are always given the chance to appeal. Form a letter (preferably with some legal assistance) and list your reasons why you think you were mistreated. When you get a notice of denial, you will also receive written reasons why the insurer made such a decision. Sure, you will have to wonder what should I do if my claim is denied and when it gets denied, but you won’t have to wonder why is my claim denied.
Then, you will have a chance to list your own reasons. This time, those reasons should reflect on the notice of denial, and what is written in it. If you think your insurer was clearly wrong in any of the reasons they listed, voice your opinion. But, don’t let the stress of what has happened get to you. Even though you are stressed about your car accident, the damage of a hurricane or the sheer fact that you were robbed, don’t let your temper get to you. Instead be polite and try to sound reasonable.
The last step is to file a lawsuit
No one dreams about being dragged to court when purchasing an insurance policy. But, once the accident that should be covered happens, your claim gets denied, and all of your other efforts prove futile, there is nothing else for you to do but go the extra mile. And what is your final destination when the claim gets denied? The courtroom. Seek out the help of a personal injury lawyer in Florida, and fight for your rights.
Appreciate the value of a dollar and think whether hiring a lawyer is the right step.
Although, you should keep in mind that hiring a lawyer and paying for their hourly wage will be a costly endeavor. This is a moment when you will have to behave rationally. If the amount you will have to end up paying for legal help exceeds the amount you could potentially receive, there is no point in you fighting a battle that is already lost.
So, what should I do if my claim is denied? Hopefully, that is a question you now have an answer to. Finally, you have to realize that not all things are up to you. There is no point in stressing out about things that are out of your power. That only brings about more damage and unhappiness, and you’ve had enough of those.