What to Do If Your Homeowners Insurance Claim Is Denied: This Isn't Where Your Story Ends.

Receiving a letter that your homeowners insurance claim has been denied can feel like a profound betrayal. It’s a moment of denial, anger, bargaining, and depression. You've been paying for a promise of security, and when you need it most, that promise feels hollow. The sense of loss isn't just about the damage to your property; it's about a breaking of trust. It’s not right, and you are not wrong to feel this way.

But I'm here to tell you something critical: This isn't where your story ends, rather it's where OUR story begins.

Move from Denial to Acceptance

The first step in any journey of restoration is to move from denial to a place of courageous acceptance. We must:

 + Accept that this happened: Acknowledge the reality of your loss without letting it consume you.

 + Accept that it's not okay: Your feelings of injustice are valid. This is not a just outcome, and we will not pretend that it is.

 + Accept some help to make it right: You do not have to walk this path alone.

Walk boldly, knowing that while we cannot control the actions or outcomes of others, we can control our own inputs—our resolve, our honesty, and our meticulous pursuit of truth.

The Two Paths Forward: DIY or Represented

From here, you have two clear paths to pursue, and we can help you on either one.

 + Path 1: The DIY Approach

   If you choose to fight this on your own, the most crucial tools you have are Claim Validation and Documentation. You must know what your policy actually covers and then "shine all the light possible on the data of your loss."

 + Path 2: The Represented Approach

   Sometimes, the wisest choice is to seek company on the journey. As the old saying goes, "There's nothing better than a journey with a friend." When that friend shares the load, the burden is lightened, and the conversation is so good you may arrive at the destination faster than you ever thought possible. This is the path of a partnership with Rome Public Adjusting.

Common Denials and the Real Story

For a moment, let’s name some of the unjust reasons you may have received a denial. These are not always the full story; they are often the insurance company’s version.

 + "Loss Below Deductible": This is the most common denial. The adjuster's report finds damage but conveniently assesses it at an amount just below your deductible. It's a subtle way of saying, "We found damage, but it's not enough to merit a check. But, hey, if you find something I didn't find, let me know!" CHALLENGE ACCEPTED!

 + "Partial Loss" for a Roof: Roofing claims notoriously get pushed to partial losses when they merit total replacement. The facts are on our side, but few customers know how to find and present the necessary data points needed to overturn this unjust decision.

 + Under-scoping of Water Losses: Adjusters often fail to see the full scope of damage from water, which gets into places we would never imagine and damages almost all it touches. The hidden damage from mold and structural issues is the true story that needs to be told.

The First Step with RomePA: Photographs, Photographs, Photographs

When you choose to have us as your partner, our first step is to empower you with what you already have: the truth. We will begin the creative process of discovering your story, and the first tangible action we will take is to review your Photographs, Photographs, Photographs. These images are the objective witnesses to your loss. We will use them, along with our extensive experience, to meticulously document your claim and get it ready to be undeniably heard.

Conclusion

A denied claim is a real loss, but it is not the end of your story. It is simply the beginning of a journey toward justice, righteousness, and restoration. We, at Rome Public Adjusting, are here to walk that journey with you, to lighten the burden, and to ensure your story is told with the clarity and truth it deserves. Please contact us to learn more.

photographs. photographs. photographs.