When should I contact My Claims Adjuster?

Most people believe that their insurance company has them covered when a sudden and accidental loss occurs.  But, do they?

An insurance company should always look to find coverage first before issuing a denial. However, most do not.

In the policy, there is a section called “Losses Not Covered.” This section includes:

Windstorm or Hail

Most policies state that in order to have coverage for interior damaged caused by rain, snow, sleet, sand or dust there must first be a wind or hail created opening to the roof or walls.

How does this affect an insured?

Most insured’s do not walk on their roof to inspect for damages. They must rely upon the company adjuster. Most company adjuster’s are not trained roofers and have limited knowledge about wind or hail damage.

Is this right?

No. Many factors that must be considered first.

Water Losses

Continuous or repeated seepage or leakage of water or steam:

Is Mold Covered?

Most insurance companies deny the entire claim because of mold.

Is this right?

No. Many factors that must be considered first.

 

Water or sewage from outside the residence premises and

water below the surface of the ground

How does this affect an insured?

Insurance companies state that a water pipe under the concrete/wood subfloor is outside

residence premises or that it is below the surface of the ground?

Is this right?

No. Many factors that must be considered first.

Vandalism

Vandalism and malicious mischief or breaking of glass and safety glazing materials if the dwelling has been vacant for more than 30 consecutive days immediately before the loss.

There are hundreds of more exclusions or variations of  exclusions that we have seen over the years.

Don’t get denied, get help today.

Most denied claims are very difficult to overturn without legal or expert representation.  These costs could exceed the amount of the claim and it can be very difficult finding a lawyer who will even take your claim.

 

Please ask about Complimentary Policy Review:

To Review Coverages & Policy Limits