Naples Hurricane Damage Claim Denied? You Have Rights, Here’s What to Do Next

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Frustrated and ready to give up after an insurance claim denial? Insurance companies will be more apt to deny these claims with the media attention off of the area. The damage is less obvious and more difficult to prove. 

You can appeal even if your insurance company denies your claim. 

Just now finding damage caused by Hurricane Ian and wondering if your insurance company will even consider it? It’s typical to find additional damage caused by Hurricane Ian, including slow leaks from roofs, damage from a cracked foundation, sinkholes, flooding, and slow-growing mold. 

There are tried and true practices for submitting your claim up to several years after the event itself. 

Here’s what you CAN expect when submitting a hurricane damage claim:

In cases where your initial insurance damage claim is denied, you can expect a formal letter from your Insurance Company denying your claim. The notice is written in legalese, informing you of your rights. 

You may have built a great relationship with the insurance company’s adjuster that you worked with. You may honestly believe that they did everything possible to get your claim settled as fairly and at the highest amount within their capability. Keep in mind that the insurance company’s claims adjuster is an employee and is bound by their position to follow certain rules and criteria designed to protect the assets of the company they work for. 

On the contrary, a public adjuster works for you and advocates for you, the homeowner with a goal of getting the highest settlement that you are legally entitled to. 

Your insurance company’s adjuster still works for the insurance company. They must follow the rules, guidelines, and rubrics issued by the company. While the payouts presented by reputable insurance companies fall within reasonable and legally sound payout levels, that doesn’t necessarily mean that’s all you’re entitled to. That means there are other ways to present and approach the claim where you are entitled to more under the laws and regulations

A public adjuster works for you the same way that a lawyer does. You do not have to accept what is offered to you by the other side. A public insurance adjuster is a licensed insurance professional who knows the laws and works for you, not the insurance company. We get paid once we’ve successfully negotiated an insurance claim settlement for you.

Navigating the appeal process

The insurance claim appeal process requires that you follow the process and guidelines of the letter. You’ll have a limited amount of time to follow the process. The clock begins ticking when the insurance company denies your claim and mails the letter. This window can be up to a year or more after your initial denial. 

During this appeal process, you’ll gather as much documentation and supporting evidence as possible to support your claim as valid. These insurance companies have very stringent yet clearly outlined rubrics and charts that they must use to help their findings. How you present, your information is essential to the outcome of your hurricane damage claim. We can win an appeal even after your Insurance Company denies it. 

Water damage claims, fire damage claims, mold damage claims, flood damage claims, roof leaks damage claims, vandalism damage claims, and loss of business income damage claims all follow the same general guidelines. However, they are all uniquely different types of claims.

At Fraser, our aim is to educate the members of our community in the wake of Ian. You must be your advocate in the wake of the storm. 

Exceptional cases division for Hurricane Ian Damage Claim Victims 

If you’re confused about the process, that’s understandable. Our experts at Fraser Property and Adjusting are here to help. We’ve set up a special division to provide immediate information. We’ll answer questions and assist you in navigating the hurricane insurance claims process, regardless of whether or not you decide to hire us. 

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