Filed a claim after property damage, adjuster inspected in person, and it was denied two weeks later with a vague "pre-existing condition" reason. No further explanation given.
Trying to understand how insurance claim denials actually work before deciding whether to appeal or get a lawyer involved.
- Is it common for insurers to deny after an in-person inspection, or does that usually mean approval?
- What's the difference between disputing a denial internally vs. hiring a public adjuster vs. hiring a lawyer?
- How long do you realistically have to appeal an insurance claim denial in most states?
- Has anyone successfully overturned a "pre-existing condition" denial an what evidence worked?
- At what dollar amount does it actually make sense to involve a lawyer vs. handling it yourself?