Claim problems
Denied Insurance Claims
A denial isn’t always the end. We review the carrier’s position, your policy and the available documentation to help you understand what options may remain.
Why claims get denied
Carriers deny or limit claims for many reasons. Some are straightforward, and some depend on how the loss was documented or how the policy language was read.
A denial letter should explain why. That explanation is where we start: what the carrier relied on, what it did or didn’t inspect, and whether the documentation on file fully supports its conclusion.
Time limits can apply after a denial, so it’s worth getting a second look quickly.
Common reasons for denial
Damage attributed to wear, age or a prior condition
A policy exclusion or limitation
A dispute over the cause of the loss
Late notice of the claim
Missing or incomplete documentation
How we can help
Review
We read the denial and your policy together and identify exactly what the carrier relied on.
Document
We gather and prepare photos, measurements, repair estimates and other support relevant to the loss.
Respond
We present the additional information to the carrier and, depending on your policy, discuss next steps such as reconsideration or appraisal.
We’re public adjusters, not attorneys. If a dispute needs legal advice or legal action, we’ll say so and can work with your attorney.
What to have ready
You don’t need everything to call us. If you have these, they help:
The denial or partial denial letter
Your policy or declarations page
Photos or video of the damage
The carrier’s estimate or inspection report
Any contractor bids or repair invoices
Frequently asked questions
Is a denial final?
Not necessarily. A denied claim may still have options depending on the reason for the denial, the terms of your policy, and the circumstances of the loss. We can review the denial and supporting documentation to determine whether additional evidence or further action may be appropriate. Because policy and legal deadlines can apply, it’s important to have a denial reviewed promptly.
Do I need an attorney?
Not every insurance claim requires an attorney. As public adjusters, we handle the evaluation, documentation, and negotiation of property insurance claims. If a claim involves legal issues outside the scope of public adjusting, we may recommend that you consult with an attorney, and we can work alongside your legal counsel when appropriate.
How long do I have to dispute a denial?
Deadlines can vary depending on your policy, the type of claim, and the state where the property is located. If you’ve received a denial, contact us as soon as possible so we can review the claim and help identify your available options. If a legal deadline or legal issue is involved, we may recommend consulting with an attorney.
What does a public adjuster cost?
Public adjusters are typically paid a percentage of the claim proceeds. At All Storm Adjusting, our fee generally ranges from 10% to 30%, depending on the type and complexity of the claim, the services required, and applicable state requirements. Your exact fee will be discussed upfront and clearly stated in your written agreement before you hire us.
Can you guarantee a higher settlement?
No. Every claim is different, and no public adjuster can guarantee a specific outcome or settlement amount. What we can do is thoroughly evaluate and document your loss, prepare an accurate scope, present the claim to your insurance carrier, and advocate for the full amount you are entitled to under your policy.
Request a claim review.
Tell us what happened. We’ll look at your situation and explain your options. There is no cost to talk.
Fees are contingent on recovery on your claim.
Licensed public adjusters in NC, OH, VA & WV.
Prefer to talk now? Call (984) 900-1139.