Receiving a denial on your home insurance claim is frustrating—especially when you’ve followed all the right steps. But if you’ve faced more than one denial, it can start to feel hopeless. The good news? It’s not the end of the road. With the right help and a deeper understanding of the process, it’s possible to turn that rejection into a fair settlement.

At 123 Adjusting, we’ve helped countless Florida property owners navigate denied and underpaid insurance claims. Here’s what you need to know if your home insurance claim keeps getting rejected—and how a certified public adjuster can make all the difference.

Why Insurance Claims Get Denied (Even When They Shouldn’t)

Insurance companies have teams of professionals working to minimize payouts. Unfortunately, that means even valid claims are sometimes denied. Common reasons include:

• Insufficient documentation
• Policy exclusions or misunderstood coverage
• Missed deadlines
• Improperly filed paperwork
• Pre-existing damage or wear and tear mislabeling

Many of these reasons can be challenged with the right knowledge and evidence—especially when handled by an expert.

1. Don’t Panic—Review the Denial Letter

The first step is to carefully read the explanation of benefits (EOB) or denial letter from your insurer. It will outline why your claim was rejected and what steps, if any, you can take to appeal it. Look for vague language like “insufficient evidence” or “not covered under current policy”—these are often areas a public adjuster can help clarify or dispute.

2. Get a Second Opinion from a Certified Public Adjuster

If your claim was denied once (or multiple times), it’s time to bring in a professional. 123 Adjusting’s team of experienced and certified public adjusters can perform an independent assessment of the damage and your policy to determine if the denial was valid—or if the insurance company missed something.

Our unique in-house networking system ensures every expert on our team collaborates to build the strongest possible case for your settlement.

3. Gather the Right Documentation

A well-documented claim is the backbone of any appeal. Your public adjuster will help you gather and organize:

• Photos and videos of the damage
  
• Receipts for repairs or replacements
  
• A timeline of the incident
  
• Official reports (fire, flood, storm, etc.)
  
• Your full insurance policy

Having all this ready supports a compelling, evidence-based response to the insurance carrier.

4. File a Formal Appeal—Properly

If you’re appealing the denial on your own, there are specific steps you must follow based on your insurer’s process. However, many homeowners struggle with technical language, legal deadlines, or missing policy details.

When you work with a professional public adjuster like 123 Adjusting, we handle this for you—writing detailed appeal letters, submitting supporting documents, and communicating directly with your insurance provider. We know their language, and we speak it fluently.

5. Consider Filing a Supplemental Claim

In some cases, you may not need to start from scratch. A supplemental claim allows you to reopen your denied or underpaid claim with new or missing information. This can be a powerful tool when handled by a licensed adjuster.

123 Adjusting specializes in preparing supplemental claims that align with policy terms and push for maximum settlement amounts.

6. Know Your Rights as a Policyholder in Florida

Florida law protects homeowners from unfair treatment by insurance companies. If your insurer is acting in bad faith—delaying, denying, or underpaying claims without just cause—you have legal options. Working with a public adjuster ensures you’re not navigating this complex system alone.

Don’t Settle for a Denial. Fight Back With 123 Adjusting.

Insurance companies bank on policyholders giving up. But 123 Adjusting exists to level the playing field. Our professionals are trained to identify mistakes, overlooked damage, and hidden coverage opportunities. With offices serving Miami and surrounding areas, we’re local, experienced, and ready to advocate for you.

Ready to turn that “denied” into “approved”?

Call us at (877) 463-7429
Email us at CLAIMS@123ADJUSTING.COM
Or start your claim at 123adjusting.com

Let’s get your claim back on track and your property fully restored.