Denial Of The Day
We all know that insurance companies don't love to pay large claims!Join Taylor Grant, everyone's favorite Public Insurance Adjuster, as he shares the most hilarious and absurd denials of property insurance claims adjusting.Uncover the lessons learned and what you can do to avoid being a victim of the insurance company's unscrupulous tactics.If your property claim has been denied, or you just want to hear hilarious stories, listen to the Denial of the Day Podcast where we’re fighting for the insured.
Episodes
Think your policy has you protected? That language you're not reading could be working *against* you. 📄😤
This real claim started at just over $41,000. After we stepped in, analyzed the policy, opened new coverages the insurer wanted to ignore, and took it to appraisal—we turned it into a $175,859 win. 💰🙌 That’s a 326%+ i...
No updates. No returned calls. No progress... sound familiar?
If your insurance claim is dragging and your adjuster is pulling a vanishing act, you're not alone—and you're not powerless.
At Bellator Claims, our team of experienced **Colorado public adjusters** knows exactly when and how to escalate your cl...
Most property owners think the first adjuster on-site has the power to approve or deny their claim... but they often don’t! 😤 If you don’t ask the right questions or bring the right people, your entire claim could start off on the wrong foot. 🎯
Think of that *first inspection* like a job interview for your roof — you want the decision-maker in the room! 💼 Whethe...
If you're dealing with a denied claim—or worse, a lowball offer—and think invoking appraisal will save the day... better read the fine print. Policies in Colorado and beyond are changing, and not in your favor. 📉
What used to be a powerful tool for property owners, contractors, and restoration pros is slowly being stripped aw...
Insurance companies keep moving the goalposts — and property owners are paying the price. 💸 Ever been told you "don't have enough damage" to justify a roof replacement? Here's the dirty little secret: there's NOTHING in your policy that sets that number. 😤
We’ve reviewed *thousands* of policies as top-rated Colorado public adjusters, and not once have we se...
Too often, insurance companies deny claims by blaming “old storm damage”… and most property owners don’t find out until it’s too late. 😡
But with our Hail Alert System, Bellator Claims spots the damage *before* the adjuster ever sets foot on your property.
We track wind and hail events by location, t...
Insurance rates in Colorado are exploding—and most property owners have NO idea why. If you’re a commercial property owner, restoration contractor, or just trying to buy a home, these increasing costs could crush your budget. 🏚️💥 But with the right strategy (and team), you don’t have to fall victim to this nonsense.
The harsh truth? You'r...
Insurance companies throw around the word “reasonable” like confetti 🎉—reasonable repairs, reasonable timelines, reasonable communication... but when YOUR roof is leaking or your fire damage claim is stuck in limbo, “reasonable” suddenly turns into “whenever-we-feel-like-it.” ⏳
At Bel...
You might be walking away from *serious* money without even knowing it.
We’re talking hundreds of thousands in insurance payouts that can vanish during your real estate transaction. 😳
Don’t let an open insurance claim complicate—or kill—your deal. Whether you're a property seller, buyer, or real estate pro, transferring a claim during a s...
If you're a commercial property owner or manager in Denver… this could cost you BIG.
Your insurance company is watching — and all it takes is 60 quiet days for them to slam the door on your claim. 💥
Imagine this: You’ve got a unit that’s been sitting empty a few months. No big deal, right? Until frozen pipes burst and cause thousands in damage… and your ins...
Think your claim is stuck? It might be time to invoke the **appraisal clause** – but be warned: this isn’t your public adjuster’s playground. ‼️ Most property owners in Colorado don’t know when (or *how*) to use an insurance appraiser… and it could cost you thousands. 💸
At Bellator Claims, we break down the mysterious side of...
Think your insurance agent has your back? Maybe not. Many Colorado property owners don’t realize they’re underinsured... until it’s a six-figure problem. And guess what? The insurance company isn’t eating that cost — *you are*.
💡 Property values have skyrocketed. Construction costs are through the roof. But if your policy hasn’t kept up — you’re exp...
Insurance carriers are on the hunt for vague estimates—and a lump sum can be the perfect excuse for a denial or delay.
But which is “right”? Depends on your strategy... and if you’ve got a Denver public adjuster who speaks the carrier’s language. 😉
Here’s the deal:
Too many claims stall because the estimate format freaks out the carrier. ...
This tile roof took a beating from a massive Colorado hailstorm—but the insurance company said it was just “wear and tear” and “foot traffic.” 🤨
Spoiler: It wasn’t. And we proved it… big time. 💪
This is exactly why hiring a *Denver public adjuster* can be the difference between frustration and full recovery.
The insurance ...
If your story doesn’t add up *exactly* how the insurance company wants it… they might hit you with an EUO 😳 (Examination Under Oath).
It sounds official — and it is. One wrong word (even if honest!) can be twisted to deny your claim 😡. At Bellator Claims, we’ve seen it all and we make sure our clients never go into the ring alone. If ...
They say, “We’ll just take a quick look.” Yeah… we’ve heard that before. 😒 Spoiler alert: they “forget” to document the most obvious damage, and guess who pays the price? YOU.
If you're a property owner dealing with hail, fire, or storm damage in Colorado, Wyoming, or Minnesota — listen up. 🎙️ On this episode of the Denial Today podcast, we expos...
When everyone from the contractor to the property owner is talking to the adjuster, it’s a recipe for confusion—and DENIAL. One conflicting statement can tank your entire claim. 😬
We see this all the time. Whether it’s a $50,000 commercial roof or a multi-family property, insurance companies will latch onto ANY mix...
You’re reroofing a 10-building apartment complex and think OSHA requirements aren’t covered? Think again. 🤯 Most adjusters push back on commercial supervision costs — but they’re federally required, and YES, they’re claimable.
Commercial property owners, contractors, and property managers everywhere are getting steamrolled by insurance companies refusing to pay for mandat...
Ever wonder why your insurance agent seems to vanish the second you file a claim? 🧐 It’s not their fault… it’s the system. Insurance companies have two main departments — sales and claims — and guess what? They *barely* talk to each other. 😤
We’ve had insurance agents scrambling for our business cards after CE classes — why? Because *they* know their cli...
Does your policy *actually* cover mold or asbestos testing? You might be shocked to find out…it probably doesn’t. And by the time you discover the problem, it could be too late—and way too expensive. 💸
Property owners across Colorado are filing fire and water damage claims without realizing the hidden dangers and expensive abatement protocols tied to asbestos and mo...
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