If the stress from fire and its damage wasn’t enough for you, there is the anxiety from your insurance company that you got to handle too. And not to forget the constant worry of whether your fire insurance claim will be accepted or denied.
Why this fear?
Because unfortunately most insurance companies look for even the slightest of errors to deny fire loss claims. The usual reason companies use to deny a claim is the speculation or suspicion of the fire starting by arson.
But, at a time when you’ve suffered loss and damage to your property, it is fair you get a chance to pick yourself up and recover. A fire insurance adjuster can help you file your claim and get you the money you deserve. They know the tactics insurance companies use to deny claims and can assist you closely during the entire filing process.
In an attempt to lay your fears to rest we’ve listed three major mistakes which if you commit can make an insurance company deny your claim.
- Insufficient Documentation of Damage and Lack of Evidence
Not documenting the scene after a fire, missing or incomplete details, inaccurate facts, and no photos or videos to back up the evidence you have can to a large extent get your claim denied. Insurance company adjusters use the information you provide to pay your claim.
If you fail to document all the damage caused by the fire, or are unable to present all the proofs to your insurance company there is quite a huge possibility of your claim being delayed or denied. To ensure you get the money you deserve after a fire, ensure you document every detail before filing the claim.
It is possible that you are not aware of the exact ways you should record evidence so you can use it as proof at the time of filing your claim. Go easy on yourself.
Hire a fire insurance adjuster who can handle the documentation and other formalities for you. This way you do not end up with insufficient evidence and can file your claim without missing out on relevant details.
- Delay in Filing a Claim
You cannot afford to miss the filing window no matter how valid your claim. Normally you have to file your claim between 180 days and a year after the fire incident. The filing window can vary a bit depending on your policy, but it’s best not to wait it out for no reason whatsoever.
Once you’ve documented the damage caused by the fire to your property, notify your insurance company so the claims process can be initiated. When you immediately file a claim after the fire you reduce the risk of your claim being delayed or denied.
If the entire filing process overwhelms you and is too confusing to handle on your own hire a fire insurance adjuster who can assist you with the formalities. Fire insurance adjusters know the ins and outs of such cases and can also provide advice on how to best file your claim.
If due to some unavoidable reason, such as a natural disaster or some other calamity, you miss the filing deadline, immediately contact a claims lawyer who can assist you.
- Late/Non-payment of Premiums
It’s true that insurance premiums amount to a major chunk of your household budget. But not paying them on time or missing a payment can cause your insurance coverage to lapse.
A lapsed policy will be denied by your insurance company when you file a claim. If required have a fund to which you can contribute regularly so you can use it to pay your premium.
Most insurance companies have strict timelines regarding payment of premiums. Missing a payment damages your credit rating and this leads to more expensive premiums in the future.
Why Not Let GA Fire Claim Help You?
Fire claims adjusters at GA Fire Claims know the confusion and anxiety house fire victims go through. And since they have been handling such cases over and over again, they know exactly what needs to be done and how to prevent your claim from getting denied or delayed.
Our team of experienced adjusters will advise you on how best to go about handling everything. They know where to start and can guide you into going through the entire process step by step.
They will even tell you about ways to tackle the insurance company adjusters who will try and reduce your claim amount or even attempt to get your claim denied.
Why not let the professionals at GA Fire Claims work in your favor and help you resolve your fire insurance claim worries? Call (833) 899-FIRE for a fire claim quote or to speak to our team of experts.
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