If you live in Florida, then there is a chance that your home will be flooded at one time or another. If you are in the path of a hurricane or a nearby lake or river overflows, then your home could end up with damage because of those high water levels.
The good news is that flood insurance may be available, and if you had it at the time of the damage, then you can make a claim. Unfortunately, some flood insurance claims are rejected, even though they shouldn’t be.
What do you do if you receive a denial rather than approval for your claim?
If you make a claim against your flood insurance and are denied, there are some important steps for you to take. First, you will receive a notice from the insurer with a reason for the denial. You have the option of calling your insurer at that point, but it’s better to let your attorney do this to help with negotiations and to get a better idea of why your claim was rejected.
Next, after you or your attorney contact your adjuster, you should sit down and talk about the reasoning behind the denial. If you can get more supportive documentation, give that to your attorney to help with the appeal. Your attorney may reach out to the adjuster’s supervisor to get more information.
The next step is to speak with the insurer’s claim representative, so you can restate your questions and discuss what you’ve already done to help get the claim approved. Sometimes, the claim representative can help push through the appeal.
How soon do you have to make an appeal after a claim is denied?
It is important for you to make an appeal as soon as you can after you understand why the claim was denied. In Florida, you have just 60 days to appeal from the date of the denial, so be cautious and look at the printed date on the denial to be sure you meet that time frame.
Your attorney will help you appeal the decision and push for the highest amount of compensation based on your situation.