Experiencing a rejected insurance claim can be a frustrating and stressful ordeal, leaving policyholders uncertain about their financial future, especially after going through a stressful, unforeseen situation such as a flood, storm or fire. If your insurance claim is repudiated or rejected, it means the insurer has declined coverage or payment for the loss or damage you've claimed.
In this blog post, we will delve into the steps you can take to address claim rejection, incorporating valuable insights into the process.
Insurance claim denials are intricate issues requiring careful consideration and strategic action. The outcome hinges on the specifics of your policy, the circumstances of your claim, and your ability to present a compelling case.
Seeking professional assistance from experts at Harris Balcombe, along with legal advice, can prove crucial in these situations. By navigating the steps outlined in this comprehensive guide, policyholders can address claim rejection with confidence and increase the likelihood of a favourable resolution. Learn more about the services at Harris Balcombe.
At this point, you would hope that your insurance company is there to help but unfortunately, this is not always the case. We have known families who have felt intimidated by insurers and have been treated as though they have done something wrong, or are in some way to blame for their situation.
How to respond to a Loss Adjuster
Why they ask
This is to compare your version of events against your policy coverage and timelines.
Smart answer
Always stick to the facts. Avoid speculation or emotional exaggeration.
With a loss assessor
A loss assessor will help you structure your account clearly so you don’t over- or under-share.
How to respond to a Loss Adjuster
Why they ask
They’re basically verifying if the event falls within your coverage period.
Smart answer
Be as specific as possible with the date and time.
Avoid
'I think it was last week sometime...'
Tip
A loss assessor will ensure that this matches other documentation, like alarm logs or photos.
How to respond to a Loss Adjuster
Why they ask
They want to confirm the circumstances and establish liability or negligence.
Smart answer
Answer honestly and clearly, and mention if others were present.
Tip
If others witnessed the event, a loss assessor may advise collecting statements from them to bolster your claim.
How to respond to a Loss Adjuster
Why they ask
They want to validate the items you’re claiming for.
Smart answer
Where possible, provide receipts, invoices, photos or warranty documents.
No receipts?
No stress, a loss assessor may be able to help you establish the value using alternative methods.
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