Check with your company for deadlines and requirements for filing claims. Your insurance policy is actually a contract between you and the company. You must follow the instructions within the policy and abide by the terms of the contract to recover compensation for your claim.
Filing an Appeal When an Insurance Claim is Denied
If your insurance provider denies your claim or underpays your claim, you don’t have to accept that decision as a final resolution. You have the right to appeal a denial or underpayment. When you receive the insurance company’s offer, act quickly because there could be deadlines to file an appeal. You should immediately:
- Review your policy to determine if there is a deadline for filing an appeal;
- Determine the procedure required for filing an appeal under the insurance contract;
- Compare the reason for the denial with the insurance policy to determine the basis for your appeal. If the denial or the reason for a low offer is not clear, ask for clarification from the insurance examiner;
- File your appeal before the deadline expires according to the procedure outlined in the insurance contract;
- If your appeal is denied or your insurance company refuses to acknowledge your appeal, contact our attorneys for further assistance.
Filing an appeal or dispute of an insurance claim can be a complex undertaking. Depending on the insurance contract, the appeals process may involve hiring an independent appraiser, or you may be required to submit to arbitration. It is helpful to have an experienced attorney on your side as you navigate the claims process, including any subsequent appeals.
Our Puerto Rico insurance claims attorneys can review your insurance policy to determine deadlines, requirements, and procedures. We can also file your damage claim and negotiate with the provider for a fair settlement that pays to repair the damage to your business and reimburse you for your other losses.