When making a home insurance claim in Jacksonville, you expect the insurance company to work with you, so you can get the help you need to repair your home. However, claims are often denied, and it can be difficult for a homeowner to work out the next steps when faced with a rejection. FoxBusiness.com offers the following advice in the event you’re faced with a denial and aren’t sure what to do next.
Read Over Your Policy
Your home insurance policy contains a lot of information, including what is and is not covered. Accordingly, it should be the first place you look when determining whether your claim is valid. For instance, consider that some perils (such as flood damage) are not covered by a standard homeowner’s policy. You want to make sure that your claim is indeed valid before moving on to the next steps.
Ensure You Understand the Reason for the Denial
You’ll also receive official notification from the insurance company regarding the nature of the denial. This notice should also contain the section of your policy that backs up the reason for the claim being denied. It’s important that you focus on this document as well to determine whether the denial is founded. If you don’t receive a letter, request one from your insurance company.
Consider Filing an Appeal
If you perform the above steps and still believe your claim has validity, you should then file an appeal. Making your case in a clear and concise manner is crucial when making your appeal. All statements should be backed up by whatever evidence you have (including documentation about repairs/damage, photographs, and details from your insurance policy). If the appeal is also denied, enlisting professional legal assistance is highly recommended.