Was your property claim denied?
A denial letter isn’t always the final word. We review the denial against your policy and the facts of the loss and tell you honestly whether there’s a path forward.
Why claims get denied
Some denials are correct. Others rest on thin inspections or a narrow reading of the policy. The reason given in the letter tells us where to look.
- Wear and tear, age or deterioration
- Damage existed before the policy or the storm
- Excluded cause, such as flood or long-term leak
- Late notice of the claim
- Not enough documentation
- Damage below the deductible
What can happen after a denial
Policy and denial review
We compare the denial letter to your policy language and the evidence at the property.
New documentation
A full inspection, photos and estimate can support a request that the insurer reconsider.
Supplemental claim
If new or additional damage is found, it may be submitted as a supplemental claim within Florida’s deadlines.
State mediation
The Florida Department of Financial Services offers mediation for many residential property disputes, and the insurer pays the mediation cost.
Act quickly
Florida law now requires most new property claims to be reported within one year of the date of loss, and supplemental or reopened claims within 18 months. Your policy may set its own notice requirements too, so don’t wait.
Read the state’s Homeowner Claims Bill of Rights summary for the timelines your insurer must follow.
Talk to a licensed public adjuster
Tell us what happened. We’ll review your policy and your claim, explain your options and tell you honestly whether we can help.