DENIED CLAIMS PROCESS
This is a general claims procedure for previously denied claims.
With a completed inspection, analysis and signed Letter of Representation we request the Determination Letter and any relevant documentation/reports from the insurance company. (What is a Letter of Representation?)
We organize our photos into a detailed visual report of damages and draft an estimate for recovery. With our help, the policyholder will complete a notarized Proof of Loss and submit all documents (What is a Proof of Loss?). In many cases, the insurance company may be willing to discuss settlement by our report alone.
We, or the insurance company, may request a reinspection of the property with an adjuster, contractor, engineer or other entity which would meet with our licensed Public Adjuster. Per Florida Statues, the insurance company has up to 90 days to review and issue a Determination Letter (What is a Determination Letter?). If coverage is afforded we will request release of all undisputed amounts and work to negotiate additional recovery until we all reach an agreement.
We, or the insurance company, may request mediation for your claim. Mediation is a non-binding process where a neutral third party acts to encourage and assist in the resolution of a dispute without dictating the outcome. The insurance company and us may or may not receive a resolution in mediation.
In many cases the insurance company may be found acting in bad faith. It is not uncommon for policyholders to use an attorney in their homeowners or commercial claim. An attorney may assist in filing a Civil Remedy Notice or Lawsuit among other documents (What is a Civil Remedy Notice?). If escalated to litigation, the attorney may use our estimate and detailed report in the lawsuit along with other licensed professionals, such as, engineers, estimators, appraisers, etc. The Public Adjuster could be requested for deposition to discuss your claim to the opposing counsel so it is imperative to have a bonded and licensed Public Adjuster who knows what they are doing.
Regardless of the direction of the claim, our firm will continue to represent the claim to completion. We work on contingency only and receive compensation when the claim is paid over and above the deductible. If we can’t get a recovery, there is no fee. CLICK HERE TO SIGN UP or CONTACT US FOR A FREE INSPECTION
Public adjusters cannot offer legal advice; any legal questions should be discussed with a licensed attorney.