Why do homeowner Property claims get denied ?

DOYLESTOWN, Pa. - Aug. 25, 2013 - PRLog --  

Why Do I Always Get Denied on My Homeowners Claims?

If you’re like many homeowners, you know that filing a claim with your insurance company can be frustrating. For many homeowners, the time and stress involved with dealing with the insurance company makes filing a claim not worth it – especially when you are likely to get denied or severely under-compensated.

Here’s what happens when most homeowners file a claim with their insurance company:

You talk with the machine for the first several minutes until you are put on hold with cheesy hold-music, often interrupted by advertisements for new insurance policies

When you finally get ahold of a customer service representative, they thoroughly interrogate you about your claim to find a reason for denial – “Why didn’t you report your loss sooner?” or “Was your roof properly maintained?”

After providing a summary of your claim, many insurance companies train their first contact representatives to discourage you from pursuing a claim. They tell you it may not be worth it with your rate increase, or that the damage may not exceed your deductible.

When the insurance adjuster comes out to inspect your damages, many times his or her primary objective is to keep their job at the insurance company rather than pay you fairly. Many times the insurance adjuster will deny the claim for being worth less than your deductible.

If you do finally receive a settlement, you find that it is not anywhere near what you had hoped for, and you will not be able to pay your contractor to fix your damages.

So why do so many homeowner claims get denied? Here are several reasons:

Insurance companies like to pay out for patch-work, which often does not exceed the deductible.

Insurance companies pay on wholesale value rather than retail value – and don’t factor in the profit, overhead, and sales tax that a contractor will charge you for.

The insurance company got you to say the wrong thing. For example, many homeowners have called to report a “flood” in their bathroom and were denied by homeowners insurance. Why? “flood” is not covered under the homeowners policy. What really happened was an overflow or leak, but because the homeowner used the word “flood” on the phone, they were denied.

They talked you out of it. Many times the insurance company’s representatives will make you feel guilty or unjustified in putting in a claim. Realize that insurance is big business, and unfortunately many times the client’s priorities take a back seat to the bottom line of the company.

What’s the solution? Hire a Public Adjuster like ACI Adjustment Group, ranked #1 by the United Public Adjusters Association for Customer Service and Satisfaction in PA & NJ.

ACI Adjustment Group is a team of professional Public Adjusters who are licensed and bonded to negotiate your claim with the insurance company. They know how to present your damages, how to negotiate your policy, and how estimate the true cost of restoring your property to pre-loss condition. When you hire ACI Adjustment Group for your claim, you are hiring a team of individuals with decades of experience in the fields of insurance and home construction & inspection.

Why is ACI Adjustment Group able to help prevent you from having your claim denied?

ACI Adjustment Group estimates the full scope of work for what you are entitled to in your policy – full indemnity. Full indemnity means restoring your home to the same condition, function, appearance, and value that it was before the loss occurred.

Many times homeowners hire a contractor to “patch it up,” and don’t find out how much it devalues their home until their home is up for sale. ACI Adjustment Group’s scope of damages includes all materials and labor needed to get your replacement job done right!

ACI Adjustment Group thoroughly negotiates your claim from start to finish. Most homeowners are not well-versed on their policy, home construction, and how to negotiate their settlement. Through a series of appointments, letters, e-mails, and phone calls, ACI Adjustment Group fights for homeowners like you to receive fair settlements.

ACI Adjustment Group performs FREE Property Inspections to qualify if your damage is worth pursuing or not. ACI Adjustment Group has an exclusive NO FEE GUARANTEE – meaning that you will pay no money out of pocket at any time and if no money is recovered, no fee is owed!

To schedule a FREE Property Inspection, call 1-800-809-4302. ACI Adjustment Group is available for Emergency Services 24 hours/day, 7 days/week. Be sure to ask about how you can obtain a FREE Fire Alarm/Smoke Detector for participating in your free inspection.