How to file a disaster claim – How to appeal your insurance claim
How to fight back:
Filing insurance claims demands a lot of time and effort, and so it can be very frustrating to file a claim and then have it denied. In many cases. A denied claim could just be an administrative error or problem. This means that the insurer may need more information from the doctor, or that the wrong codes may have been entered somewhere along the paperwork trail. If addressing those items doesn’t solve the problem for you, don’t waste your time further with repeated phone calls over weeks and months, rather, go into the official appeal process to appeal your claim.
Appealing your claim forces the insurer to respond in a timely manner. The denial letter usually outlines the appeal procedure.
You should call your state insurance department for further guidance before you file an appeal especially if the claim is for a large sum of money. You have to be prepared to provide evidence from your doctors or from any other source that will support your claim. If you are not happy with the results of an internal appeal, your state may offer an external appeals process with third-party solutions.
In many cases, you will need to provide extra paperwork if you have trouble getting some of the claim paid. Extra help can be received from a claims specialist who understands the entire filing process. These insurance professionals can help organize your claims paperwork, deal with the insurer, spot unseen errors, collect extra documentation, and help you file an appeal.
Most Insurance companies recommend making long lists of every item in your house and storing the records in a safe-deposit box. In addition to this, you can also take a video of everything – which I believe is more effective as it stores records of events in real time. However, be sure to save each of these records in a safe place where they cannot be damaged to avoid slowing down your filing process. A good way to keep this evidence safe is to store them in the cloud and also email yourself a copy.
When you have an insurance claim, you will need to gather as much information as you can as soon as possible. However, you need to make sure you’re not putting yourself in danger by remaining on the scene of a disaster if it is not safe to do so, It will also help to photograph the source of the damage, such as the source of a water leak. These will reduce subsequent questions that may be asked such as the cause of the disaster.