Can the insurance company refuse to cover my claim and pay any benefits?

Can the insurance company refuse to cover my claim and pay any benefits? Absolutely. I mean, part of the insurance process is they’re going to send an inspector out when you first make a claim with them. Someone’s going to…

Can the insurance company refuse to cover my claim and pay any benefits?

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Can the insurance company refuse to cover my claim and pay any benefits?

Absolutely. I mean, part of the insurance process is they’re going to send an inspector out when you first make a claim with them. Someone’s going to go look at your property. They’re going to look at all the damages. They’re going to say, “Okay, we’re doing testing. We’re going to do some sort of inspection to see if your claim is covered or not.” They won’t tell you right away whether your claim is covered, but they may indicate that it might be, and then you get a coverage decision from your insurance company, some kind of letter documenting out why they’re denying your claim or why your claim is covered, but it’s under your deductible so they don’t have to pay any money. But it doesn’t mean you have to go with that decision.

We would come in and help you out by giving you a second opinion. We get some experts involved that can come look at your property as well, do their own inspection, come up with their own report. You don’t have to rely on what the coverage decision is from the insurance company just because their inspector said your claim isn’t covered. That may not be entirely true. I understand when you get a policy, you have one page that gives you all of your coverages, all of your insurance coverage, and there’s 90 pages of exclusions, but there’s also subcoverages we can go under as well. So we want to make sure that we give you a second opinion to look at your insurance contract to figure out all the possible ways you can be paid on your claim.

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