Don't Lose Hope: What to do When an Insurance Claim is Denied

Don’t Lose Hope: What To Do When An Insurance Claim Is Denied

Don't Lose Hope: What to do When an Insurance Claim is Denied

Rejection. We’ve all experienced it in one form or another. It can cause frustration. It may lead to disappointment. We might have questions about what we did wrong. A homeowner could feel discouraged when the insurance company denies a claim. What happened? Why was my claim turned down? Do I have any other options? We address what to do when an insurance claim is denied.

Reasons Why An Insurance Claim Is Denied

Most often, a homeowner’s insurance claim is rejected for the following reasons:

Your policy identifies what is and is not indemnifiable.

The home’s age. Typical wear and tear is not usually covered.

A homeowner must reasonably manage their home.

Insurers limit the time you have to submit a claim.

Don’t jump the gun. Keep in close contact with your insurer.

Save estimates and receipts. Photograph all damage.

Don’t forget to stay current with your premium payments.

An insurance adjuster will assess any questionable claims.

Close image of shingles with hail damage

What To Do When An Insurance Claim Is Denied

Don’t panic! You still have options if you receive a rejection letter from your insurer. Consider the following possible courses of action:

Midwest Roofing, Siding & Windows truck in driveway of a home with a new roof.

If the claim denial is unwarranted, file a complaint with your state’s Department of Insurance.

Many times, a claim is denied for correctable reasons. Talk with your agent or claims adjuster.

Don’t just involve any attorney. Work through an attorney with construction law experience.

Consult with an experienced roofing contractor. Ask them what they recommend in terms of next steps.

If you didn’t keep quality records of what happened, invest the time to document the situation.

The insurance company’s adjuster doesn’t work for you. They advocate for their “employer.”

Many insurers provide a viable avenue for homeowners to file an appeal for reconsideration.

Insurance Claim Resources For Homeowners

In Minnesota, homeowners should work through a roofing company like Midwest Roofing, Siding & Windows if their claim is denied. Additionally, consider contacting the Department of Commerce. File a complaint through the Consumer Services Center at 651-539-1600, 800-657-3602, or consumer.protection@state.mn.us.

Navigating The Claims Process With An Expert Contractor

For residential homeowners in the Greater Twin Cities, Midwest Roofing, Siding & Windows offers unmatched guidance through any insurance claim following storm damage. We can assist you with walking through the process, starting with the initial inspection. Our knowledge and experience ensure that we cover every element your insurance provider needs to be addressed to receive claim approval. Nothing gets missed.

Contact Midwest Roofing, Siding & Windows today for any roofing services or to schedule an appointment and receive a free inspection and estimate.

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