Receiving a denial letter in response to a loss is always a disappointment to a property owner. Policy premiums are very highly priced, carry large deductibles and a rise in cost every year. Insuring our properties is one of the largest overhead expenses in our budget. We purchase our Insurance agreement policy in good faith, believing that whenever we may suffer a loss, our insurance company will reciprocate and give us a “just claims settlement.”
We imagine that an industry of such wealth and magnitude will treat their policyholders respectfully and honestly. After all we have entered into a lawful agreement with them. We expect them to pay a claim that deserves to be paid.
How often do most residential owners or commercial property owners actually file a claim? Once or twice in a lifetime?
Certainly, it is unexpected when the denial letter is received. Often with no understandable reason given for the denial.
Century Public Adjusters can review your denial letter, policy, damage documentation and previous claim correspondence to help you understand whether further claim work may be appropriate.
An older or denied claim cannot always be reopened. Available options depend on the policy, the reason for the decision, the evidence and applicable deadlines. A review does not guarantee that a claim can proceed or that the insurer will make an additional payment.
Call (888) 585-8010 to discuss your property damage. Please have your date of loss, claim number and insurer’s decision available. For legal questions or a disputed deadline, consult a qualified attorney.
Get help organizing damage documentation and communicating with your insurer about a new property claim. Coverage and payment depend on your policy and the loss.
If the estimate appears incomplete, Century can review the damage and supporting records and discuss the options available under your policy.
