For homeowners dealing with water, fire, or smoke damage, filing an insurance claim should be a straightforward process. However, in today’s environment, insurance companies are making it more difficult than ever to secure rightful claim approvals. While some pushback from insurers has always been expected, the current level of claim denials and delays is unprecedented. This makes it crucial for homeowners to be proactive and meticulous in how they handle their claims.
The Growing Challenge of Insurance Claim Denials
In recent years, insurance companies have become increasingly stringent, often denying claims that should be covered. Homeowners who assume their policies will protect them are frequently met with unexpected denials or reduced payouts, leaving them to shoulder significant repair costs. The best defense against these challenges is preparation, documentation, and persistence.
Essential Steps to Strengthen Your Insurance Claim
To improve your chances of a successful claim, follow these key steps:
Submit Detailed Estimates
Before any restoration work begins, ensure you receive a comprehensive, itemized estimate detailing the full scope of necessary repairs. Insurance companies are more likely to approve claims when they see clear documentation of damages and costs.
Document Everything
Keep meticulous records of all interactions with your insurance adjuster. After every phone call or in-person conversation, send a follow-up email summarizing the discussion. This creates a written record of what was said, reducing the risk of miscommunication or backtracking by the insurer.
Get Written Approval Before Work Begins
One of the biggest mistakes homeowners make is assuming verbal approvals are sufficient. Always request confirmation of claim approval in writing before allowing any work to proceed. If repairs are completed before the insurer gives written authorization, they may deny payment, leaving you with an unexpected bill.
Use Video and Photographic Evidence
Take extensive photos and videos of the damage before and after repairs. Visual evidence can be powerful in proving the necessity of the work and countering any disputes raised by the insurance company.
Seek Professional Assistance
Working with a professional home restoration company experienced in navigating insurance claims can make a significant difference. These experts understand the tactics insurers use and can help you prepare the strongest case possible for claim approval.
A Real-Life Example: Learn from This Homeowner’s Experience
We recently shared a live video on Facebook highlighting a homeowner’s current struggle with an insurance company. We encourage you to watch this video and learn from their experience to avoid similar pitfalls. No one ever wants to end up in litigation over homeowners insurance claims! By taking the right steps, you can hopefully prevent that from happening and create the documentation you will need if the case does end up in court.
We Can Advocate For You
Insurance companies are not in the business of making claims easy. However, by being proactive, organized, and persistent, you can improve your chances of receiving the coverage you deserve – or at the very least, winning your case if you have to proceed through legal avenues. If you are facing challenges with your insurance claim, our team is here to help. We have extensive experience dealing with insurers and ensuring homeowners get the support they need for full restoration.
If you need assistance with water, fire, or smoke damage restoration, contact us right away. Let us help you navigate the insurance process and restore your home with confidence.
