Has your insurance claim recently been denied? If so, you may find it interesting that out of all denied insurance claims, only 1% of policyholders request that their claims be re-evaluated. It seems that in times of dire need, an overwhelming majority of policyholders easily take ‘no’ for an answer. For example, when Hurricane Katrina struck the Gulf Coast in 2005, many claims were denied, even though on the surface, it appeared that the claims had solid, legitimate grounds for being honored. Many people were forced to tap into their savings - or worse, take out loans - just to get back their lives back to some semblance of “normal.”
This then poses a very serious question: why are people so willing to accept a claim denial? And perhaps even more important is what you can do if your own claim is denied.
No Doesn’t ALWAYS Mean No:
As a policyholder, it’s important to realize that if your claim is denied, “no” is NOT always the final answer. Be forewarned, however. The journey of having a previously denied insurance claim approved can be tedious, but the good news is that it IS possible. If you find yourself in this type of situation, here are the concrete steps you need to take next:
Find a reliable representative. The first step in reversing the denial of your insurance claim is to find a knowledgeable and licensed professional to represent you in your case. This first step is important since it will save you a lot of time and effort in the long run. At Florida Public Adjusting (FLAPA), we have a team of skilled agents who are ready to evaluate your case and represent you in the formal appeal process. Regardless of the company you choose to help, ALWAYS remember this: it’s important to have a company on your side that is willing – and able – to fight for you and the validity of your claim. Without this, you’ll be a sitting duck
Bring all your paperwork. Once you’ve knocked out step 1, you’ll need to gather all the documentation to support your case. It’s important that you understand this is a VERY important step in the process and that the more documentation you can pull together, the better. This includes your original insurance policy and local laws pertaining to insurance claims, as well as any other supplemental stipulations and guidelines. Rest assured that you don’t need to be an expert in interpreting these technical documents, however. That’s what businesses like FLAPA are here for. We’ll sort through all your paperwork, make sense of the laws, examine the fine print and come up with the best course of action for your claim moving forward.
- Remain involved in the process. No one knows your story better than you do, so be willing, ready and able to participate every step of the way from here on out. If you’re representative requests additional information, it’s important that you do what you can to locate it in the quickest amount of time possible. Our years of experience in handling denied insurance claims often results in decisions being reversed, but you need to understand that no two insurance claims are the same. As such, we’ll likely have questions that arise along the way. If we can’t reach you for weeks on end, it’ll create a bottleneck, which in turn will affect how expeditiously we can reverse your denied claim. Time is always of the essence so it’s best not to keep kicking the can down the road since the longer things drag out, the less likely we’ll be to obtain a favorable outcome for you.
No one likes paying for insurance, only to have a claim denied when it’s needed the most. If you feel that your insurance claim has been wrongfully declined, contact us today to learn more about how we can help!