Appealing an insurance claim denial can be a time-consuming, complicated process. You need to make sure that you can handle it properly so that you can have the best chances of reversing the decision and getting your hands on the compensation you’re entitled to.
Here’s how you can deal with an insurance claim denial:
Find Out Why The Insurance Claim Was Denied
Carefully review the claim denial letter to understand why your carrier denied the claim. The letter will contain all the factors that led to the decision. It also contains steps on how to file an appeal.
There could be many reasons why your claim was denied. Sometimes, it’s simply caused by a system error. You can easily solve this by resubmitting the claim. If not, the reason will still give you a path to move forward.
Contact Your Insurance Company
If you believe that the insurance claim denial was improper, get in touch with the insurance company. Before you make the phone call, gather your questions and all the necessary documents, including your policy and denial letter.
Take note of all of the important details of the call, including the name of the representative you have spoken with. Ask for the extension number of the representative as well. This will let you call them directly in case you have more inquiries.
Understand The Appeals Process
If you want to reverse an insurance claim denial, you must understand the whole appeal process. It’s necessary to appeal according to the insurance company’s guidelines. This allows you to submit the right documents, including a reconsideration request letter and other supporting documentation.
Be aware of the deadline for filing an insurance claim denial appeal. Deadlines vary depending on the insurance company and the state you are living in. If you failed to meet the deadline, your claim will likely be denied again.
Seek The Help Of An Expert Claims Adjuster
If you believe that you deserve compensation but can’t do anything else on your own, your best option is to get in touch with a public claims adjuster in Philadelphia. With an expert claims adjuster, you will have an insurance professional who works on your behalf. They will evaluate your denied insurance claim and find errors that prevented you from getting the compensation you deserve. With this, they can negotiate with your insurance company to get the best settlement possible.
While submitting a claim is allowed, there could be instances where your insurance claim is denied more than once. However, this doesn’t mean that you should just give up as you can file an appeal multiple times. With the help of a claims adjuster, you can increase your chances that your claim gets approved.
Best Public Adjusting Services
If you need professional assistance in reversing an insurance claim denial, contact PB Adjusting. As one of the best public adjusters in Bensalem, PA companies, our team will assure you that we will represent your best interest and keep you informed of the entire appeals process. Our claims adjusters will work hard to help you get every amount you should be entitled to.