Denied Business Insurance Claims, Houston

Make sure your business gets what it deserves after a loss.

If your business suffered a loss due to theft, property damage, or another issue, this could lead to a harmed reputation, lost profits, lost operating time, and a host of other negative consequences. Even if you file an insurance claim to recoup some of these losses, you may not receive an offer for a fair settlement, leaving you with less than you need to revive your business’ operations and move back into a successful phase.

This is where we come in at Santex Public Adjusters. We have several years of experience helping business owners deal with denied business insurance claims here in the Houston, Texas area. Our skilled experts will approach these denials with a strategic mindset and a comprehensive knowledge of what to do. With our tenacious and experienced team on your side, you can have a greater chance of receiving the compensation that your business deserves.

As a public adjuster, we thoroughly understand the intricacies of denied business insurance claims. In many cases, denials stem from policy exclusions or limitations that may not have been clearly communicated to the policyholder. You can rely on us to delve deep into the policy language and conduct a thorough analysis to uncover potential avenues for appeal or negotiation.

When it comes to denied business insurance claims, know that you have options when you turn to us for assistance. Contact us today to learn more about how we can help you after the insurance company denies your business’ claim.

Contact Santex Public Adjusters today!

FAQs About Denied Business Insurance Claims

It can be frustrating enough to be dealing with the aftermath of theft or property damage at your business, let alone trying to navigate your next step if your business insurance claim is denied. However, a denial doesn’t necessarily mean that all is lost, not with our team at Santex Public Adjusters on your side. Check out some of the common questions our clients who are in the same situation have asked below, then reach out to a member of our team.

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What are some common reasons that business insurance claims are denied?

Some denials stem from policy exclusions, while others are related to lapsed or non-active policies, insufficient documentation, late filing, and a disputed source of loss, such as the insurer stating the damage was pre-existing. We can look at the denial letter and your policy to help you develop a plan moving forward.

What should I do if my claim is denied?

First, if you have not received a written explanation, be sure to request one. Then, reach out to a member of our team and we can review the policy with you to see if the denial is consistent with your coverage. From there we can assess the documentation you submitted to ensure the insurance company received everything they needed. Once these steps have been completed, we will have a better idea regarding your options for appeal or negotiation.

Can I appeal a claim that has been denied?

Yes. Most insurance companies have an internal appeals process. If that is the route you choose, it is likely you will need to submit more proof or clarify certain facts. We can help with this, making sure you are supported throughout the process.

What evidence can help my appeal?

Photos/videos of damage before and after the incident
Maintenance records and repair receipts
Independent expert reports
Financial records demonstrating business disruption losses

Should I continue to pay my premiums following a claim denial?

Yes. You should continue to pay premiums to keep your coverage active. If you cancel or let it lapse, you may lose coverage for future damages while you contest the present claim.

Contact Santex Public Adjusters today!

At Santex Public Adjusters, we assist with denied business insurance claims in Houston, Seabrook, Manvel, Pearland, Dickinson, League City, Webster, La Porte, Pasadena, Deer Park, Bellaire, Cypress, Galveston, Humble, Katy, Kingwood, Sugarland, Spring, and Woodlands, Texas.