Insurance Claim Denied? Learn how a Florida Public Adjuster can help with a Free Claim Review

denied insurance claim

A denied insurance claim can be a frustrating and stressful experience, especially if you’ve experienced costly damages to your home or business. But do not lose hope just yet. A Licensed Florida Public Adjuster from Claim Concepts can review your claim and help you seek the settlement you deserve.

Even if your claim was initially denied, don’t take the insurance company’s decision as the final word. There are numerous reasons why a claim can be incorrectly denied, as we outline below. By hiring an experienced Florida Public Adjusting Firm like Claim Concepts to fight for you, you’ll have experts on YOUR side to properly investigate, estimate and ultimately recover the full and proper settlement that your policy allows.

Here’s what you need to know.


Why was my insurance claim denied?

Insurance companies can deny claims for several reasons, but it ultimately depends on the policy and how that policy is interpreted. While every situation is unique, some common reasons why homeowner’s insurance claims are denied include: 

  • Long-term repeated leakage or seepage.
  • Statements made when filing the claim.
  • Insurance Claim filed late.
  • No visible damage to trigger coverage.
  • Wear and Tear.
  • Construction Defect.
  • The claim does not exceed your deductible (not an actual denial).  

Insurance policies are difficult to read and often very ambiguous.  The truth is that there is no policy that will cover any and all damage to your property (even though many TV commercials would leave you to believe otherwise) and some insurance claim denials are proper.  However, it’s important to remember many claims are improperly denied, which is why it’s so important to contact a competent Florida Public Adjuster and have them review your policy and the insurance companies’ reason for the denial. 


Reasons to contact a Florida Public Adjuster

Insurance companies and their adjusters are required to act in good faith throughout the claims process, but that doesn’t mean they always do. The insurance company’s own adjuster is sometimes not even an employee of the company, but rather an outside contractor. Errors can occur in a number of areas, which can lead to your insurance claim being denied.

Examples of how claims can be incorrectly denied:

  • Incorrect application of the policy terms.
  • Failure to thoroughly review the policy looking for coverage
  • Engaging outcome oriented vendors 

If you have found yourself in this situation and have been searching online for “public insurance adjuster Florida,” then you’ve come to the right place. The experienced team of Florida Public Adjusters at Claim Concepts may be able to help you resolve any of these scenarios.


How Our Florida Public Adjusting Firm Can Help

At Claim Concepts, our Licensed Public Adjusters have decades of experience helping policyholders whose insurance claims have been denied or underpaid for numerous reasons. 

Contact us today for a free claim review and strategy session where we will be happy to go over your options. If you choose to hire us as your Florida Public Adjusting Firm, we will thoroughly evaluate your policy, document and accurately estimate your losses and communicate with the insurance company as needed to get you the maximum settlement allowed under your policy.

Don’t settle for a denied claim – you still have options! Call 800-801-2099 to speak with a licensed Florida Public Adjuster today about your claim.

Free Claim Review With a Florida Public Adjuster

What our clients say…

  • Louis S. AvatarLouis S.

    In a rather difficult time, Greg was reassuring, very professional and genuinely interested in our project. We had frequent updates and he saw the situation through to completion. I highly recommend Claim Concepts. - 10/02/2017 

    Jadon Y. AvatarJadon Y.

    These guys are amazing they will fight for you and make sure even after they're done with their job they still answer questions for you in regards to your insurance claim. I've been battling back-and-forth with my mortgage company trying to release my funds and Eric has been amazing still helping me even though his job has been done. Greg and Eric are an awesome team if I ever need a public adjuster again they will be my number one guys to call no hesitation! - 10/02/2017 

    cyril s. Avatarcyril s.

    Hiring Claims Concepts was one of the best decisions that my wife and I have made. A remarkable group of good, sincere people with a strong work ethic. They turned a stressful situation into a positive outcome. The only regret we have is not hiring them sooner. We would recommend them without any hesitation. So, to Greg, Eric and Jesse we thank you from the bottom of our hearts! - 10/02/2019 

  • Alyssa J. AvatarAlyssa J.

    Absolutely wonderful service. I was very pleased with the outcome and the service I received was above my expectations. I will recommend them to anyone in need. - 1/16/2020 

    Eric W. AvatarEric W.

    I had a fire in my house but the insurance company offered a fraction of the damage amount. Claim Concepts handled a difficult situation admirably and helped me get many times what I was offered. It was an unequivocal win! - 3/08/2020 

    Nancy F. AvatarNancy F.

    Due to a water pipe leak in between my first and second floor bathrooms, I sustained quite a bit of damage. All I knew to do was to contact my insurance company. They sent out a claims adjuster who looked at the obvious damage and created a claim that just fell short of my deductible. When looking for a company to repair the damage, it was becoming apparent that the damage could be more significant than originally quoted by the claims adjuster.That is when it was brought to my attention that there was someone out there who could support those findings and have my best interest in mind. That's when I found Claims Concepts. I had no idea that this type of business even existed. Insurance companies can be a bit intimidating, especially if you're not in the construction business. I called Claims Concepts and worked with Greg, who substantiated the information that there was more damage than the adjuster quoted. He took over from that point on and worked on my behalf with my insurance company, to make sure that all damages were properly covered. - 10/02/2017 

If you are looking for a Public Adjuster Near Me, you came to the right place. Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres