Understanding and Overcoming Insurance Claim Rejections
Did your insurance carrier deny your claim? Schedule a Free Denied Claim Review and let our experts determine if your rejection can be successfully overturned.
Key Takeaways
- Common Denial Reasons: From "wear and tear" exclusions to missed filing deadlines.
- Policy Misinterpretation: How carriers use complex language to justify a rejection.
- The "Evidence Gap": Why a lack of professional documentation leads to a "No" from the adjuster.
- The Appeals Process: Your legal right to challenge a decision and provide new evidence.
- Reopening Claims: How we can step in even after a claim has been officially closed.
Why "No" Isn't the Final Word on Your Property Claim
Receiving a claim rejection letter can feel like a dead end, but in many cases, it is simply the beginning of a negotiation. Insurance companies frequently issue denials based on incomplete information or an adjuster’s narrow interpretation of your policy's "Exclusions" section. In this video, we pull back the curtain on why claims get rejected and provide a roadmap for how homeowners can fight back.
Commonly, carriers will cite "pre-existing damage" or "lack of maintenance" to avoid paying for legitimate losses. We explain how a Public Adjuster performs a forensic deep-dive into your property to prove the actual cause of loss. By matching the physical evidence at your home with the specific coverages in your policy, we create a compelling argument that forces the insurance company to take a second look.
Whether your claim was partially denied or completely rejected, understanding the technical requirements of an "appeal" is vital. We handle the heavy lifting of gathering supplemental evidence, structural engineer reports, and expert testimony to turn a "denied" status into a "paid" status.
Is there a cap on how much a public adjuster can charge?
Yes. In Florida, public adjuster fees are regulated by the state, especially during "State of Emergency" declarations (like after a hurricane). We always adhere to legal limits to ensure our clients are protected.
If I’ve already received an initial check, do you take a percentage of that?
We typically only charge our fee on the additional funds we recover for you beyond what the insurance company has already offered. We believe in being paid for the value we add to your claim.
Can a claim be reopened after it was denied months ago?
Yes. In Pennsylvania, you have a specific window of time to challenge a decision or reopen a claim if new damage is discovered. We can frequently get the carrier back to the table if the initial assessment was flawed.
Does it cost anything for a PA adjuster to review my rejection?
No. At 21st Century Public Adjusters, we offer a free review of your denial letter and policy to see if there is a path forward for recovery.
Turn Your Rejection Into a Recovery
A denied claim is a setback, not a defeat. At 21st Century Public Adjusters, we specialize in the "tough" cases across Newton and the surrounding communities. We have the local experience and the tenacity to challenge big insurance companies and win.
Don't take "no" for an answer until a local professional has reviewed your file. Our team is ready to stand up for your rights and help you get the settlement you deserve.