When and if your home insurance claim is denied, it is important to read the denial letter and associated explanation. Primarily, one should read the policy contract and truly understand the mechanics of the coverage and why the claim is not covered.
The claims representative will be happy to help guide you through the policy and find the section(s) of the policy corresponding to the issue at hand. This is also an appropriate time to speak to a licensed representative with your insurance company and inquire as to whether there is an endorsement available to offer coverage for such a claim in the future.
Licensed insurance representatives are generally not allowed to discuss an ongoing claim, this is the job of the licensed claims department. When speaking to a licensed representative of your insurance carrier, your questions must be based on coverage and not claims. Insurance agents are charged with the responsibility of explaining available coverage and endorsements; they are not permitted to interpret coverage relevant to claims adjustment.
For general advice or guidance, you may contact a licensed representative toll free at: (877) 931-3368 or contact your insurance carrier directly.
.JPG){kind=avatar}
The claims representative will be happy to help guide you through the policy and find the section(s) of the policy corresponding to the issue at hand. This is also an appropriate time to speak to a licensed representative with your insurance company and inquire as to whether there is an endorsement available to offer coverage for such a claim in the future.
Licensed insurance representatives are generally not allowed to discuss an ongoing claim, this is the job of the licensed claims department. When speaking to a licensed representative of your insurance carrier, your questions must be based on coverage and not claims. Insurance agents are charged with the responsibility of explaining available coverage and endorsements; they are not permitted to interpret coverage relevant to claims adjustment.
For general advice or guidance, you may contact a licensed representative toll free at: (877) 931-3368 or contact your insurance carrier directly.