Whether we like or not, accidents do happen. Sometimes due to unforeseen circumstances, sometimes to someone experiencing an accident or a mishap. But, no worries. That is why we get moving contracts and house insurance. Oh, wait. You experienced an accident and the insurance company doesn’t want to acknowledge your claim. Well, unfortunately, this can also happen. And, if it does, you need to learn how to manage denied insurance claims. Luckily, we are here to help you out.
What to do if you get denied
So, the worst has happened. You’ve experienced a costly accident and your insurance provider doesn’t want to acknowledge your claim. What can you do? Well, the first thing you need to do is to relax. Remember, there is little use in getting excited and simply screaming. No serious insurance company is suddenly going to acknowledge your claim simply because you go frustrated. What you need to do instead is to understand that you’ve entered a legal battle. What will take place in the following weeks is you trying to prove that your situations are covered by your insurance and them trying to prove that you are not.

Taking photos
Start off by taking photos. The moment you realize that something has gone horribly wrong and that you will need to contact your insurance provider, take photos. Taking photos is necessary in order to prove what actually damage has occurred. If your movers didn’t know how to pack antiques properly and they ended up broken you need to take pictures of them the moment you unpack. The longer you wait the harder it will be to prove the cause of the damage. Therefore it will be easier for your insurance providers to claim that the cause of damage is hard to deduce, which is why they shouldn’t pay you. Getting evidence is necessary if you want to make a strong case, and your legal representative will be thankful if you start off by taking pictures.

Getting professional help
The next thing you will have to do is to get professional help. You can try contacting the insurance company on your own. But, know that from the moment they started denied insurance claims you are no longer talking to an insurance agent. You are talking with their legal team who simply wants you to admit that it was your fault so that they will not have to pay. Therefore, once the company says that they will not comply, stop contacting them. Save any correspondence you might have and contact legal counsel.
What are public claim adjusters
Public claim adjusters are the biggest bang for your buck when it comes to professional help with denied insurance claims. Unlike lawyers, their only job is to deal with problematic insurance claims. And, also unlike lawyers, they get paid based on the sum they manage to claim for your insurance. So, if you want to do yourself a huge favor, find a public claim adjuster to help you with any denied insurance claims. Be it for poor moving execution or a household accident.
How to look for one
Start looking for public claim adjusters online. Try to find ones that specialize in your kind of situations and see if they are local. Local claim adjusters usually have standing relationships with the court and insurance companies. Therefore, they will be able to tackle your situation much more easily.
Interview
Once you’ve contacted a few you’ll be able to choose one that will represent you. But, in order to make a wise choice, you need to interview them. Ask them about their prior experience and if they are connected to a larger organization. Companies like A-Z Claims Adjusters Florida are much more suited to handle difficult claims since they have a large pool of claim adjusters for you to choose from. Therefore by working with such companies, you will know that their best-suited agent is working on your case.

How to avoid denied insurance claims
No matter how much you prepare, dealing with denied insurance claims is not easy. Even if you have great claim adjusters and your insurance contract is good, you are still probably looking at months of legal battles before you see any money. Therefore, it is in your best interest to avoid denied insurance claims as much as possible.
Now, we all know that we cannot avoid accidents. Sure, avoiding property damage is great. But, if something is meant to happen it is going to happen, no matter how much you try to avoid it. But, with some preparations, you can minimize the chance of accidents and you can reduce the chase of getting denied for insurance claims. Here is how.
Working with the right people
The best advice for avoiding mishaps and accidents is to work with the right people. Whether you are remodeling your home, storing your possessions or moving to a new country. Only work with people for whom you know are trustworthy and reliable. That way you will drastically increase your chances of avoiding accidents and therefore avoiding denied insurance claims.
Getting legal counsel for the moving contract
But, working with the right people is not always enough or even important. If a hurricane strikes your home and it is your hurricane damage insurance claim that is being denied, you can hardly blame it on the people who’ve built it. But, this doesn’t mean that there is nothing you can do. A smart thing to do is to have legal counsel present when singing an insurance contract. Therefore you will precisely know what your insurance covers and your insurance company will know not to try and pull a fast one on you.