❌ Denied Claims

We Help You After:

Most Common Reasons a Property Insurance Claim Would be Denied:

  •     Not filing your claim within the required timeframe of the damage can result in a denied claim.
  •     False statements or questionable claims.
  •     Not paying your premium, or not paying your premium on time.
  •     Exclusion clauses or anti-concurrent causation clauses can also affect the whole claim or some coverage of the claim.
  •     If the damage is not documented thoroughly and explicitly detailed it could cause your claim to be denied.
  •     Not taking measures to stop or impede further damage to your property as is the responsibility of the homeowner could result in denial of your property damage claim.
  •     If the liability is elsewhere.
  •     Deductible
  •     Occurrence versus Maintenance
  •     A missed deadline

The reasons why an insurance company would deny your claim could go on and on. Keep in mind that every dollar that they don’t pay out to you on a claim is an additional dollar of profit for their company. This can seem overwhelming and comparable to walking a tightrope. Luckily, at Sentry Public Adjusting, we have extensive experience in the mechanics of how insurance companies work so we can navigate this for you. Don’t get stuck in the minutia of property damage claims and don’t get stuck getting less money than your claim is worth.

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Denied Property Damage Claims: What Are False Statements?

Insurance companies use “false statements” as a reason to deny claims. You can have documented all damages and filed your claim with the insurance company correctly.  Then they send an adjuster to your property, and that adjuster claims there is a false statement. Many times rather than being a false statement it is a discrepancy of how the damage looks suspicious, that the information provided is misleading, or the original application for coverage is questionable.

The Liability is Elsewhere

Just because you’re are a homeowner doesn’t mean you’re a jack of all trades. We may hire people to do jobs around our homes and property because of our lack of skills or just convenience. Many claims aren’t paid because the insurance company argues that the liability is elsewhere. One typical example of this in Florida is when a landscaper does damage while working on your home.If you hire a landscaping company to remove or to maintain trees in your yard only to find that they damaged your house, then were to file your claim can get tricky.  Our experienced adjusters can guide you to make sure that your claim is handled correctly.  Your damage can be covered. Since the fault was on another person or business, the liability should fall under their insurance, and your insurance company should refer you to file a claim with that company for the damages to your home. If you submit a claim of property damage with your insurer, the claim will get denied.

Occurrence versus Maintenance Damage Claims

Many damages such as mold damage, water damage, or wind damage can also all happen due to poor maintenance of your home. If your roof is old and has been leaking, this can cause mold in your attic and throughout your home in addition to water damage from the leaking. If you try to claim for water damage from a particularly bad thunderstorm,  your claim may be denied because proper maintenance could have prevented the damage to your home. Therefore you need Sentry Public Adjusting to fight for you.

If there is an occurrence such as a hurricane and there are no preexisting issues with your home, you should be entitled to the proper compensation for the damage you experience.  Insurance companies deny claims based on maintenance issues.  For example, if something happens with your furnace due to it being old, that is not covered under homeowner’s insurance because that is a typical maintenance issue of owning a home.  A claim that is not adequately prepared and documented is more likely to lead to a denial.  This is where our experienced public adjusters can help you navigate through the many minefields that the insurance companies create.

Re-Opening a Property Damage Insurance Claim

While this may seem like a frightening and haggard process, Sentry Public Adjusting is in the business of getting you the correct coverage and compensation for the damages to your home. The thought of going through the process of having a mediation and another appraisal can be intimidating. Hiring a professional can make it much more comfortable.

The process will begin with a FREE, no commitment visit from us. Initially, we will thoroughly review all previous documentation of damages. This also includes reviewing your homeowner’s insurance policy, the estimate you received from their adjuster, and a record of any repairs made. With our many years of experience guiding our decision, we will determine if the claim can be reopened and what the next step of action will be.  We will contact your insurance company and fight on your behalf. Upon contacting them, we will schedule a FREE appraisal of the damages and a re-inspection of your property. We will then prepare an accurate claim and guide you all through the process. Sentry will fight to get your claim covered by your insurance company, we’re on your side through all of this.

Why Sentry?

The tedious back and forth of insurance claims can be draining. The process can get your hopes up to restore your home only to have your insurance company dash those hopes. Let Sentry Public Adjusting help you at any point in the insurance claim process. We are experienced professionals who can change your outcome with your insurance company. Don’t get disappointed, get Sentry Public Adjusting on your side.

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