request for explanation, adjusters report

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 12, 2012

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Insurance Question from Bartlett, TN

Asked on 01/12/2012

request for explanation, adjusters report Can a homeowner request an explanation of claim denial and the adjusters report?

Answer given on January 13, 2012

Most definitely! You should get the reason for the denial in writing from your insurance company. If they did not send this to you, write an email or letter to your insurance adjuster (keep all copies of your communications).  Advise the adjuster that you would like a full written explanation of the denial of your claim including the section of the policy (page number and paragraph) that pertains to the exclusion reference for this denial. Ask that they include a copy of any inspection report use to determine coverage.  You may or may not get the report as they may deem this their property. Once received, take out your home insurance policy and review the section referenced in the letter. If the denial does not seem in line, you have a couple of options.  You can email the adjuster back advising them why this exclusion or coverage denial does not fit your cause of loss or damage.  If they still do not move on covering the claim and you feel the denial is unfair, you can call or write your department of insurance for your state for more advice.  You did not say what the damage was or how long ago it happened.  There are other issues if you think the claim was denied in bad faith or not denied in a timely manner.  Both of which your department of insurance can in filing a complaint. If they never answer your letter, I would then immediately write the department of insurance advising of the same. If you still feel you need help, consider seeking help from a property attorney that has expertise in homeowner coverage issues.  Most consultations are free.  To find an attorney in your area, click here



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