My homeowners claim was denied or underpaid? What do I do?

My insurance claim was denied. Is there anything I can do?

Yes. We successfully overturn denials every day. Often, the insurance company will deny a claim over the phone, will determine the wrong cause of loss, or deny the claim because the damage doesn't meet the deductible. Whatever the case, ACI Adjustment Group may be able to get you covered.

Can the insurance company deny my claim over the phone?

Yes. We have handled numerous claims that were denied for "maintenance" over the phone, and then had those denials overturned after our inspection. Also, the insurance company's representative may determine the cause of loss as not covered if the homeowner reports the damages as "flood," "mold" or another peril that is not a covered cause of loss.

My insurance company denied my claim by saying that the damage was a maintenance issue. Are they allowed to do this?

Maintenance is not covered under homeowners insurance. However, most insurance company adjusters are trained to spot maintenance issues and deny claims. We have had many of these denials overturned. On several occasions, a property owner had the insurance company assess and deny their claim 2-3 times before we were contacted, and we were able to overturn the denial.

My insurance company denied my claim because the damage did not meet the deductible. Is there anything I can do?

Yes. Denying a claim because it doesn't meet the deductible is one of the most common tactics the insurance companies use to prevent a "Bad Faith Lawsuit." These claims are easy for us to overturn, because they are not a coverage issue, but an issue of scope. We'll often turn a "patch job" into a whole room.

How do I reopen a denied claim?

You can start a claim online by clicking HERE or call 1-800-809-4302 to have an expert inspect your damage first, free of charge.

http://aciadjustment.com/my-ho...