The devastation of Hurricane Milton is tough enough, but receiving a denial letter from your insurance company can feel like adding insult to injury. While denial is disheartening, it doesn’t mean you’re out of options. Here are steps you can take to fight back, based on the advice in my e-book, How Not to Get Screwed Over by Your Insurance Company.
Step 1: Review the Denial Letter Thoroughly
Carefully read the denial letter to understand the reason behind the decision. Is the insurer claiming the damage wasn’t covered? Or are they saying it was due to pre-existing conditions? Knowing why the claim was denied is the first step in formulating your response.
Pro Tip: If the reason isn’t clear, request a detailed explanation in writing. Insurance companies are required to provide a reasonable explanation for claim denials under Florida law.
Step 2: Gather Additional Evidence to Support Your Dispute
If you believe the denial is unjustified, start by gathering more evidence. This could include additional photos, videos, or a second opinion from a contractor or public adjuster. The more evidence you provide, the stronger your position will be.
Pro Tip: Organize your evidence into categories that directly address the denial reason. For example, if the claim was denied due to “pre-existing damage,” provide pre-storm photos and inspection reports showing the condition of the property before the hurricane.
Step 3: Request a Re-Evaluation or Submit a Supplemental Claim
In some cases, submitting a re-evaluation request or supplemental claim with the new evidence can get your claim back on track. Be specific about why you believe the denial was incorrect and include all supporting documentation.
Pro Tip: Use clear, concise language when submitting your request. State which specific provisions in your policy support your claim, and reference the evidence that contradicts the insurer’s position.
Step 4: Consider Mediation or Legal Action
If the insurance company continues to deny your claim, you may need to escalate the matter. Florida offers mediation services through the Department of Financial Services, or you can consider hiring an attorney who specializes in property insurance disputes.
Pro Tip: Keep an eye on deadlines. Florida law imposes strict deadlines for disputing denials or filing lawsuits against your insurance company. Act promptly to protect your rights.
Final Thoughts: Getting a denial letter isn’t the end of your claim—it’s just the beginning of a new strategy. For more tips on how to navigate insurance disputes, check out my e-book, How Not to Get Screwed Over by Your Insurance Company. With persistence and the right approach, you can turn a denial into a fair settlement and rebuild your property.
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