Has your homeowner’s insurance denied your claim after property damage? You’re not alone. Many NYC homeowners face the frustration of having their insurance claims denied after water damage, fire, or mold issues. But here’s the good news—a denied insurance claim is not the end of the road.
At NYTDR, we specialize in restoration and insurance claim management. We handle the entire process—from initial damage assessment to claim appeal, and finally to complete home restoration. Whether you’re dealing with a burst pipe, smoke damage, or toxic mold, our team can step in and manage it all.
Why Insurance Claims Get Denied
Insurance companies often deny claims for:
- Lack of evidence or documentation
- Delayed reporting
- Policy exclusions (especially with mold or gradual water damage)
- Disputes over the cause of damage
Unfortunately, many claims are rejected due to technicalities or incomplete information—not because you’re ineligible for coverage.
What You Should Do Now
- Read the Denial Letter Carefully
Understand exactly why your claim was rejected. Look for any gaps or unclear reasons. - Review Your Insurance Policy
Check what your policy covers and what it excludes. Knowing your coverage inside and out is essential. - Document the Damage
Take photos, videos, and keep a detailed log of the damage and any related conversations or paperwork. - Appeal the Decision
You have the right to appeal most denials. Gather all supporting evidence and submit a formal appeal.
How NYTDR Can Help When Your Insurance Claim Is Denied
If your insurance claim has been denied, NYTDR is here to help you fight back and restore your home. We specialize in working with NYC homeowners facing the complexities of denied claims.
Here’s what we do:
- Professional Damage Assessments
Our licensed experts inspect your home thoroughly, documenting mold, water, fire, or smoke damage with detailed reports that help strengthen your appeal. - Claims Review and Appeals Assistance
We analyze your insurance policy and denial letter, then guide you through filing an effective appeal or reopening your claim with proper documentation. - Direct Communication with Insurers
NYTDR acts as your advocate, communicating with your insurance company to ensure your case is accurately presented and fairly evaluated. - Maximizing Your Coverage
We understand NYC insurance policies and the tactics insurers use to minimize payouts. Our goal is to maximize your insurance recovery so you don’t have to pay out of pocket for necessary repairs.
Client Insurance Success Story
“Our home had significant flood damage in July of last year….. Insurance refused to play ball, but Perry helped us work with them until we got what we deserved. It took a lot of patience as this process lasted a few months, but Perry never let us give up. In the end, we were able to settle with the insurance company at a price that covered all of what we needed.”
-Jack Gottesman Google Review
Don’t Let a Denied Insurance Claim Stop You
A denial is frustrating, but it doesn’t mean you have to accept it. With the right strategy and support, many homeowners in NYC successfully overturn denied claims and fully restore their homes.
If you’ve been denied coverage after mold, water, fire, or smoke damage, contact NYTDR today. We’ll help you understand your options, appeal your claim, and get your home back to the safe, healthy condition it deserves.
