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  • Writer's pictureBrenda Heffner

What May Seem Innocent to Say Can Kill Your Claim: The Importance of Engaging a Public Adjuster

Dealing with an insurance claim can be a daunting and stressful process, especially when it involves significant damage, such as continuous, repeated seepage, leakage, and mold. When navigating such situations, it's crucial to be mindful of what is said and disclosed to the insurance company. One innocent slip of the tongue or a seemingly harmless statement can lead to claim denials, leaving you without the compensation you rightfully deserve.

This blog explores a real-life scenario that highlights the significance of enlisting a Public Adjuster, like Ryan Claim Service, from the very beginning of your claim process.

This story serves as a stark reminder of how seemingly innocent statements can unwittingly jeopardize a claim and the vital role that Ryan Claim Service's Public Adjusters can play in safeguarding your interests.


The Story:

Recently, an insurance policyholder received a notice from their insurance company stating that their claim had been denied due to the nature of the damage being continuous, repeated seepage, leakage, and mold. The insurance company had consulted with both a plumber and a Certified Testing and Restoration (CTR) expert, who confirmed that this damage was the result of a long-term leak.

The Denied Claim:

Upon receiving a notice from the insurance company that their claim had been denied, the policyholder faced a challenging situation. The insurance company cited continuous, repeated seepage, leakage, and mold as the reasons for their decision. The gravity of this situation was further intensified when both the plumber and the CTR confirmed that the damage was a result of a long-term leak. With the information provided by the insured, it became clear that their claim faced an uphill battle.

The Innocent Statement:

Upon further investigation, the insured acknowledged that she was aware that the plumber had mentioned the issue as a "long-term leak" to the insurance company. Unfortunately, this seemingly innocent disclosure played a significant role in the denial of the claim. The mere mention of "long-term" led the insurance company to conclude that the damage had been present for an extended period, thereby shifting the responsibility for the claim onto the policyholder.

The Importance of a Public Adjuster:

At this point, the policyholder felt helpless, as the denial left her with no recourse for overturning the decision. However, had she engaged a Public Adjuster like Ryan Claim Service from the outset of the claim, the outcome might have been very different.

The Role of a Public Adjuster:

Engaging a Public Adjuster, like those at Ryan Claim Service, at the inception of a claim is critical for ensuring a fair and favorable outcome. Unlike insurance company adjusters who work to protect the interests of the insurer, Public Adjusters exclusively represent the policyholder. Their expertise lies in assessing the damage accurately, preparing comprehensive claim documentation, and negotiating on behalf of the insured to maximize their settlement.

Preventing Claim Jeopardy:

By having a Public Adjuster from the outset, the insured can avoid making inadvertent statements that may harm their claim. These experts are well-versed in the complex language of insurance policies and the claim process. They know precisely what information should be disclosed and how to frame it to strengthen the claim's validity without inadvertently weakening it.

Navigating the Claim Process:

The claim process can be intricate, and insurance companies often employ tactics that can delay, diminish, or outright deny claims. Public Adjusters act as guides through this maze, ensuring that the insured's rights are protected, and the claim process proceeds smoothly. Their intimate knowledge of insurance practices empowers them to anticipate potential challenges and proactively address them, improving the chances of a successful claim resolution.


The story of the denied insurance claim serves as a powerful reminder that seemingly innocent statements can have dire consequences on the outcome of a claim. 
Engaging a Public Adjuster from the start is the most prudent course of action to safeguard one's interests and ensure a fair settlement. By enlisting the expertise of Ryan Claim Service's Public Adjusters, policyholders can confidently navigate the claim process, knowing they have an advocate working solely on their behalf. 
When it comes to insurance claims, caution and preparedness are the keys to success.

If you have any claim-related questions please reach out to us, and we would be happy to answer any questions you may have. "The only stupid questions are those that are not asked." Email: Text or Phone Call (570) 249-9486


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