faq

Reports suggest that your insurer’s chances of an underpaid claim in an emergency are much more likely than the claim being denied. Let’s be honest. An insurance company will do just about anything to pay you less than what you deserve even though you have paid your premiums.

So even though you deserve the right compensation immediately after your property has been in an accident, chances of it are slim. In fact, underpaid claims save insurers millions of dollars every year. This is your money and you deserve every single dime out of it.

There are a few tell-tale signs that can help you identify whether you have been rightly remunerated or not.

Don’t rush

Any kind of property damage requires a thorough inspection before coming to an insurance estimate. So if you feel the insurance company has missed out on damages and rushed through the process, that’s something to worry about.

Get an estimate

Information is power and having the right kind can prevent you from being lowballed by your insurance company. So get in touch with contractors for repairs and get an estimate as soon as you can. 

Investigate denials

If your insurer has agreed to pay a part of the claim but not all of it, that calls for suspicion.

At Fair Chance Claims, we are on your side to fight your war against the Goliaths of the insurance industry. Here’s how we can help.

Public Adjuster

Our public adjusters advise, manage, and submit claims on your behalf leaving no loophole for the insurance agencies to exploit.

Payment after approval

At Fair Chance Claims, we believe in accountability which is why we get paid only once your insurance is approved.

Years of experience

Our public adjusters have helped hundreds of customers with their policies and we can do the same for you.

You just received a mail. The subject line reads “Your claim has been denied”. But you did everything perfectly, right? Well, here are a few reasons that your property damage claim is not being approved.

Timing

Insurance companies love it when you don’t pay your claims on time because it just gives them a reason to deny them.

Premium

A denied claim can be because you forgot to pay one or more of your premiums.

False Claims

In the eyes of the insurance companies, anything which can’t be proved is a lie so make sure you have all the documents of your property damage in hand.

Filing error

Maybe you do have every document needed but there was a problem with the filing. Insurance companies love filing errors like these to deny you of your rightful compensation.

A denied claim can be disheartening but it’s absolutely no reason to give up. There’s plenty you can do against a denied claim and we will show you how.

Notify the insurance company

It is the terms and conditions written in fine print on your insurance policy that stands between you and your money. So as soon as your property is damaged, inform your insurer asking about the time limit and documents needed to file a claim.

Read the policy

Before filing a claim or fighting against your insurance company, be aware of what your claim covers and what it doesn’t.

Reduce damages

A claim can be denied if you have not taken proper measures to reduce the damage to your property. So make sure to contact a contractor and save what you can after property damage.

Comprehensive documentation

From a cracked roof to a flooded room, document every aspect of your fire damage. Leaving out the tiniest of details gives them the advantage to deny your claim.

AT FAIR CHANCE CLAIMS, WE UNDERSTAND THAT THIS IS HARDLY A DIY PROJECT WHICH IS WHY OUR PUBLIC ADJUSTERS TAKE CARE OF IT PROFESSIONALLY AND AFFORDABLY

Hail is the silent killer lurking beneath the veil of wind and thunderstorms. It’s not noticeable at first but over time, hail damage can burn a hole in your pocket without proper insurance claim approval. Here are a few good ways to find whether your roof has suffered hail damage or not.

Check for dents

A typical hail can pack quite the punch which is why if you have an aluminum roof or a part of your roof is made up of metal, check for dents. 

Check for glass cracks

If you have a skylight, check for broken glass or cracks. 

Check for paint chippings

If you just gave your roof a fresh coat of paint we feel bad for you. But the paint chippings from a hailstorm can serve as evidence to get your claim approved.

Incomplete inspection

If your insurance company has told you that the damage to your roof was not caused by hail but by other reasons, it’s best to reach out to a public adjuster. They can help you form your case against the insurer.

Dismissed your concerns

If your insurance company believes that you are only eligible when your roof has suffered further damage but you don’t want to risk it, get a public adjuster to fight your case.

Part approval

Finally, we understand that you are agitated and not in the right mind to take decisions but that’s no reason to settle for less. So if your insurer is offering you only a part of what you deserve, a public adjuster can help you get your money’s worth.

WITH YEARS OF EXPERIENCE, FAIR CHANCE CLAIMS HAVE STOPPED HUNDREDS OF HAIL DAMAGE CLAIMS FROM ENDING UP IN THE DUSTBIN. GET IN TOUCH WITH US TODAY TO KNOW MORE.