It can be quite frustrating when your Insurance Adjuster says no to your Hail Damage Insurance Claim. The role of an insurance adjuster is to access the extent of damage caused by the hailstorm to your home.
If the adjuster says no to your claim, it means it may be denied. This article will give you useful tips on how to tackle this issue.
Insurance Adjuster Says no Hail Damage
Before you proceed to file a claim, it’s very important you understand your policy and what it covers. When you know what your policy covers, you will be able to deal with a non-compliant adjuster. Knowing your policy will also help you determine the deductible and payout to expect. If the deductible is quite much compared to the payout, you may have to consider canceling the claim.
Who is a Claim Adjuster?
A claim adjuster is also known as an Insurance claim adjuster. They are representatives sent by your insurance company to inspect and investigate a damaged property when you file a claim. The adjuster will investigate the damaged property and then give an estimate of what it will cost to repair the damage.
The estimate the adjuster presents to your insurance depends on your payout. The claim adjuster also as far as to interview the owner of the danged property and other frequent users. He or she may also investigate police reports if any.
Reasons Why Insurance Adjusters Say No to Hail Damage Insurance Claim
Knowing fully well that hail damage is not your fault, you may wonder why adjusters still say no to a claim. Sometimes, homeowners have damaged their home properties themselves and called it hail damage. With this, adjusters are more careful of approving home damage claims.
This is not the only reason why claims are denied. It could also be that you have exceeded the time limit for filing the Hail damage claim. Generally, most insurance companies give policyholders a time frame of one year to file a claim. If you go beyond this time, the claim may be denied. To avoid this, check your policy for the time limit stated by your insurance company.
Hail Damage Claim Denied
Apart from exceeding the time limit, there are other factors that could lead to your claim being denied. When your insurance policy does not cover the hail damage, your claim will be denied. In addition to this, if you have not been consistent in paying your premium, your insurance adjuster may deny your claim. These are some of the reasons why your claim was denied.
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What to do When your Insurance Adjuster Says No
If your insurance adjuster says no after you have filed a claim, there are some steps you can take to resolve the problem. They are discussed below:
- Ask questions and find out why the claim was denied. This is because the reason for the denial could be a fault on your part. Go through the denial letter properly to ensure that you understand why the claim was denied.
- The next step is to contact your insurance company. The representative of the company should be able to explain better to you why you received a denial. Maybe the claim you are filing is not covered by your insurance policy.
- If you are not satisfied with the explanation, you can go ahead to gather the necessary documents for filing the claim and contact a lawyer.
- Filing an appeal with an experienced lawyer for your denied claim becomes an option when the issue has not been resolved.
Ensure you provide all the documents necessary for the claim including photos and videos (If any). The lawyer will guide you through the process of filing an appeal.
How to Deal with an Insurance Adjuster
When dealing with an insurance adjuster on hail damage, it is very important you don’t speak too much during the investigation as you may reveal what will be used against you. when the adjuster comes with the necessary document, ensure you present all the evidence of the hail damage.
You should also avoid repairing any damaged property until it has been examined by the adjuster. Also avoid giving a recorded statement. Lastly, if the adjuster asks you to sign any document, contact your insurance company before you do so.