No Coverage
If your insurer lists that you have no cover for the event causing damage to your property, you don't have a claim.
Events that create situations of "force majeure" or "acts of God," like floods and earthquakes, typically require a separate policy for cover.
Service Life and Normal Wear and Tear
The insurer may reject your claim based on the assessor's evaluation of your property and the events leading to the claim.
If your assessor decides that the problem occurred due to natural wear and tear on your car, home, or any insured asset, the insurer will likely reject your claim.
Lack of Maintenance
Failing to maintain your home or vehicle could also result in the insurer tossing out your claim.
If the assessor determines the cause of the problem is a lack of maintenance on your behalf, they will likely reject your claim.
Defective Materials and or Workmanship
If a contractor fails to meet construction regulations and guidelines when building a structure, like a wall or your home, your insurer will reject your claim.
Failing to Disclose Information
The insurer may reject your claim if you fail to disclose all the information surrounding your property and the claim.
For instance, if you have a bad credit record and outstanding debt, the insurer may reject your claim stating that they think you are using the claim to settle your debts.
Late Notifications
You have 30-days to file your claim with your insurer after the event occurs, causing damage to your property. Failing to meet this deadline will result in the insurer denying your claim.
No Financial Interest
The policy must note all of the parties on the policy to get cover. If you don't have a financial stake in the insured asset, you cannot claim.
Unpaid Debit Orders for Your Premiums
If you haven't paid your premium for the month, your insurer will cancel your policy, and you won't have any cover.
Placing a stop order on the debit for your insurance policy immediately voids your cover. However, if the policy payment returns due to insufficient funds, you'll have to make the premium payment before the insurer starts evaluating your claim.
Dishonesty, Misrepresentation, and Criminal Intent
As you can imagine, any of the above will cause the insurer to reject your claim, provided they can prove it. Some criminal intent may also land you in hot water with the law, resulting in fines or jail time.
Denial of Cover
If the insurer thinks your claim is fraudulent, they will reject it. Misrepresentation and deception will cause the insurer to cancel your policy immediately, and you'll find it hard to get cover from any other insurance company.
Wrapping Up – Hire Florida Public Adjusters
If you're having trouble navigating your claim, hire a public adjuster. Unlike a company or independent adjuster, the public adjuster works for you, not the insurer.
Hiring a public adjuster ensures that you have the best chance of the insurer processing your claim and paying you out.
