Floods and fires can leave you with the loss of home, furniture, clothing, vehicles, and often the most valuable of all possessions: the family photographs, letters and other irreplaceable mementos. Even as you try to come to terms with all that, there are the mounds of debris left in the wake of all that destruction, including wet wallboard, charred wood, waterlogged carpeting and padding and other damaged parts of the building structure and contents.
One of the most important processes you will go through when filing an insurance claim is the appraisal process. This step is meant to give you a simple means of determining how much it would cost to replace or repair damaged property.
In the same way you expect your automobile insurance to cover your damages in a car accident, it is reasonable to expect that your property will be covered in the event of a catastrophic event. So, why did your insurance company deny your claim? Here are four of the most common (and avoidable) reasons: