How to Handle Denied or Partial Insurance Claims

How to Handle Denied or Partial Insurance Claims


Insurance policies are designed to protect us when something goes wrong, but what happens when our insurance claim is denied or only partially approved? When it comes to handling denied or partial insurance claims, it can be a stressful and complicated process. In this blog post, we will discuss the steps you can take to handle these situations, and give you the tools you need to get the compensation you deserve.


1. Read Your Policy

The first step in handling denied or partial insurance claims is to read your policy thoroughly. It's important to understand what your policy covers, and what it doesn't. By knowing the ins and outs of your policy, you can better understand why your claim was denied or only partially approved. In some cases, there may be a clause or exclusion in your policy that you weren't aware of that could be the reason your claim was denied.

2. Contact Your Insurance Company

After you've read your policy, the next step is to contact your insurance company. If your claim was denied, ask for a written explanation of the reason why, and the specific policy language that supports the denial. If your claim was partially approved, ask for a breakdown of what was covered, and what was not. By doing this, you can get a clear understanding of what parts of your claim were denied, and why.

3. Get a Second Opinion

If you feel that your insurance company has unfairly denied or partially approved your claim, it may be time to get a second opinion. Hiring a public adjuster or loss adjuster can help you navigate the claims process, and advocate for your rights as a policyholder. A public adjuster can review the reason for your denial and determine whether there is merit to your claim.

4. Appeal the Decision

If you are not satisfied with the initial decision your insurance company has made, you have the right to appeal. Each company has their own appeal process, but generally, you will need to provide additional documentation or evidence to support your claim. It's important to note that the appeals process can take time, so be patient and persistent.

5. Seek Legal Assistance

If all else fails, consider seeking legal assistance. An attorney who specializes in insurance claims can help you navigate the appeals process or even file a lawsuit against your insurance company if necessary.



Dealing with denied or partially approved insurance claims can be a difficult experience, but by following these steps, you can better understand your policy, determine why your claim was denied, and fight for the compensation you deserve. Remember, you have the right to appeal the decision, get a second opinion, and even seek legal assistance if necessary. If you're having trouble with your insurance claim, don't hesitate to reach out to a public adjuster or loss adjuster in Orlando, FL, for help. At Ultra Property Damage, we're here to help you get the compensation you deserve. 

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