Dealing with a denied claim in Miami-Dade can be frustrating, especially when you’re already dealing with property damage. But don’t panic—a denial is not the end. In many cases, the claim can be reopened and re-evaluated.
A public adjuster can help you dispute the denial and fight for the compensation you deserve.
❌ Why Are Claims Denied?
Insurance companies often deny claims due to:
- “Wear and tear” or “pre-existing conditions”
- Lack of timely reporting
- Incomplete documentation
- Disagreements about the cause or extent of the damage
✅ What Can You Do?
Don’t give up. A denial doesn’t mean you’re out of options.
Request a written explanation from the insurance company.
Contact a licensed public adjuster to review the denial, your policy, and the damages.
Gather your evidence—photos, estimates, invoices, reports.
File a dispute or appeal with professional support.
👷 How Captain Claims Can Help:
Review your policy and claim denial.
Conduct a new inspection with detailed documentation.
Provide a second opinion estimate using Xactimate.
Communicate with the insurance company on your behalf.
Reopen the claim or invoke appraisal or mediation if necessary.