1. Keep complete and accurate records! Record every conversation, hold onto every receipt, and store any letters or emails you exchange with your insurance company.
2. Obtain a certified copy of your policy. You can get a certified copy from either your adjuster or your agent.
3. Study your policy. Read the section referenced in your insurance denial letter carefully. Does it apply to your cause of loss at all? If not, note the reason in your letter to the insurance company.
4. Was the cause of the damage was communicated properly. If you find this to be the case, draft a letter to your insurance adjuster explaining any discrepancy listed. Make certain you are specific and only address the incorrect information outlined in their letter.
5. You are guarantied a fair and timely claim settlement period. If you feel that there was a gross delay in handling your claim or lack of fair dealing, you should file a complaint with the Department of Insurance for your state.
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