Getting a denial on your insurance claim is extremely frustrating, but it doesn’t have to be. With the help of one of our licensed Public Adjusters at Cordo Claims Group, there are proactive steps that can be taken to contest the denial and secure the fair and balanced settlement that you deserve.

Know You’re Not Alone: Annual Claim Statistics

• About one in 20 insured homes has a claim.
• About one in 35 insured homes has a property damage claim related to wind or hail.
• About one in 60 insured homes has a property damage claim caused by water damage or freezing.
• About one in 385 insured homes has a property damage claim related to fire and lightning.
• About one in 625 insured homes has a property damage claim due to theft.

*Insurance Information Institute calculations, based on ISO®, a Verisk Analytics® business, data for homeowners insurance claims from 2017-2021 (see table above).

What to Do If Your Claim is Denied

1. Call Cordo Claims Group

If you’re located in Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Texas, Virginia, West Virginia, or Colorado, we have Licensed Public Adjusters that specialize in residential, commercial and marine property damage claims. There are so many benefits of using a Public Adjuster! If you’re outside of our service area, find a reputable, licensed and experienced Public Adjuster to help. Public Adjusters are licensed professionals who work on behalf of policyholders, not the insurance company. We have the expertise to interpret policy language, assess damages accurately, and negotiate with insurers. A Public Adjuster provides invaluable guidance throughout the claims process. 

2. Review the Denial Letter

Collect and save all insurance company correspondence to share with your Public Adjuster, including the denial letter. Your Public Adjuster will review the letter to assess the specific reasons cited by the insurance company for denying your claim. This information will be vital in determining the next steps, formulating a response and building a solid case.  

3. Gather Documents, Photos & Receipts

Thorough documentation is critical in disputing a denied claim. Compile all relevant evidence, including photos, videos, receipts, and any other documentation that supports your case. This evidence will strengthen your position and serve as a foundation for your appeal.

4. Ask Your Public Adjuster to Review Your Policy

Take the time to revisit your insurance policy and familiarize yourself with its terms and conditions. Ask your Public Adjuster about any areas you need clarification on and identify any sections related to your claim. Understanding the coverage details and exclusions is essential when disputing a denial. Your Public Adjuster will assist in interpreting policy language and identify areas where the denial may be challenged. 

5. File An Appeal

Your Public Adjuster will gather all materials, documentation, reports, photos, video and receipts and submit this to your insurance company to file an appeal and request a new inspection. Having the right documentation is essential. This includes dates and details of the incident, as well as photos, videos and witness statements, if applicable.

6. Consider Legal Assistance

Your Public Adjuster will know if you need to pull in an attorney on your claim. If your appeal is unsuccessful, consulting with an attorney who specializes in insurance law may be the next step. Legal professionals can assess the viability of a lawsuit against the insurer and guide you through the legal proceedings.

7. File a Complaint

If you feel your insurer has denied your claim unfairly, you can also register a complaint with your state’s insurance department.

Claim Denied? Contact Cordo Claims Group for a Free Assessment Today!

Dealing with a denied insurance claim can be a daunting task. You only have to go through it once alone to realize you need an experienced advocate. At Cordo Claims Group, we take the confusion out of the insurance claim process and help you get a fair settlement. 

• Residential, Commercial & Marine Claim Specialists
• Policy Review
• Damage Assessments
• Insurance Company Correspondence 
• Meetings & Communications with Insurance Adjusters 
• Meetings & Communications with General Contractors & Industry Experts
• Management, Collection and Submission of Paperwork, Reporting, Photos, Damage Assessments, Measurements 
• Collaboration with Industry Leading Experts
• Confer with Legal Counsel