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
It’s not a dinner reservation – it’s your insurance company's way of saying “we might pay… or we might not.” 😑
This is one of the biggest red flags property owners get during a claim – and too often, it’s ignored until it’s too late.
Insurance companies send these letters to cover THEIR bases… not yours. They're buying time, ...
If your commercial claim involves roof repairs, windows, or siding… and your contractor isn’t following *federal* OSHA requirements, guess what? Your insurance company will STILL deny it – all while refusing to pay for the mandatory safety measures in the first place. 🤯
Too many Colorado property owners, contractors, and managers don’t factor in OSHA costs, and i...
Too many Colorado property owners are being told “no” by adjusters who haven’t even read the full policy 📄😑
When adjusters misrepresent your coverage, they’re not just wrong — they could be violating Colorado’s Unfair Claims Settlement Practices Act 🚨👎
We see this *all the time* — adjusters denying items based on opinion, not policy. So...
Insurance said, "Patch the roof. Insulate from the inside. It's fine."
But it *wasn't* fine — not for the landlord, the tenant, or the building’s code requirements.
❌ The result? A plan that would've killed the lease, violated city code, and shrunk the landlord’s income.
✅ We stepped in, fought for the *a...
What happens when local building codes block your repairs and your insurance company won't budge? You might be sitting on a *constructive total loss*—and not even know it. 🤯
🧐 Most property owners have no clue that if a building can’t legally be repaired, it may qualify as a *total loss*—even if it’s still standing. 🙃 Your pol...
Sometimes, yes. Sometimes… not so much. That’s why at Bellator Claims, we work side by side with contractors, property managers, and commercial property owners to lay out EXACTLY what yo...
Remember when agents could cut checks on the spot after a fire or storm? Those days are long gone… and your claim is paying the price. 😓
Agents still care—but guess what? The claims department doesn’t always listen. These two departments don’t even communicate properly inside most insurance companies! 🤯 So when your agent says, *“This should be covered,”* the clai...
Most Colorado property owners think their insurance will cover everything inside their home or building. Spoiler alert: it doesn’t. If that custom artwork, luxury jewelry, or vintage firearm isn’t *specifically* listed (aka “scheduled”) on your policy, you might get nothing when disaster strikes. 😳
We get it — nobody reads the fine...
Most property owners call it a flood... but your insurance company hears *denied*. 😬 If you don’t know the difference between flood damage and water damage, your payout could go from millions to a measly $250,000.
Here’s the truth: while flood and water damage might *feel* the same when your basement is underwater, they’re ...
What most property owners in Colorado don’t realize is that a simple lapse in insurance can trigger a financial nightmare: *forced-placed insurance.* And if you're thinking, “Well, at least I’m covered,” think again. These lender-controlled policies are EXPENSIVE, offer *bare-minimum* coverage, and a...
Emotions run high during a property damage claim—we get it. But saying “I’m gonna sue you” to your insurance adjuster could instantly backfire. Instead of helping, they legally *stop* sharing info with you, your future attorney, or us, your trusted Colorado public adjusters. 🧱💼
It’s called “anticipation of ...
Too many property owners in Colorado assume that once the appraisal award is signed, it’s game over — money in hand. But here’s the dirty little secret the insurance company doesn’t want you to know: They can STILL deny large parts of your c...
You replace your roof after hail—and suddenly your decking is "too spaced" to be nailed down. The insurer says “not our problem,” because the decking wasn’t damaged by the storm. But if code says it must be replaced, and your policy includes Ordinance & Law coverage... they *owe* for it. 💰
That’s where *the but...
Your insurance policy probably isn’t saying what you *think* it is… and not knowing can cost you *big*. Most property owners, contractors, and even some brokers are operating under outdated info – like filing timelines based on the “date of discovery.” 🚫 Nope. Not even close.
🌪️ Whether your building took a hit from hail, wind, or water – your timeline star...
👀 We just found out something wild… Insurance companies are actually teaching their adjusters that *public insurance adjusters* are the enemy. Total nonsen...
Insurance companies are getting exposed on national TV 🎥 — and we deal with their shady playbook EVERY. SINGLE. DAY.
If you’ve ever felt gaslit by an insurance adjuster, you’re NOT crazy... They’re just trained to protect profit over people. 💰➡️🙍♂️
Insurance CEOs are being grilled 🔥 in front of Congress for denying valid claims and pocke...
If your contractor, your vendor, and YOU are all talking to the insurance adjuster separately… you're creating chaos—and feeding the carrier ammo to deny. 😬 Imagine trying to win a game where your own team can’t agree on the rules.
When it comes to claims, a unified voice is *everything.*
We’ve seen 50,000+ square foot commercial roofs get caught in costly me...
Ever dealt with an insurance claim that felt like it was going *nowhere* fast? 😤 That’s exactly where this Denver church was stuck—until Bellator Claims stepped in. With a 161% increase in their insurance payout, we turned a stalled claim into a six-figure win. 💥
This wasn't luck—it was expert negotiation, relentless documentation, and a deep understan...
🚫 “We don’t owe for that” – That’s what the insurance company said… until they met us.😏
Most property owners don’t realize what really happens behind the scenes of a denied claim. It’s not laziness – it’s strategy. And if you hire the wrong team (or no one at all), you’re leaving hundreds of thousands on the table. 💸
This Win Your Claim Wednesday, we turned a $115K insurance offer into $523K… with some expert...
This isn’t just shocking—it’s *standard* practice with insurance companies in Colorado 😤
When a property owner came to us with a fire claim, they’d already lost their home, their pets…and their patience. The insurer cut a check for $245K—but the true rebuild cost? Nearly $461K. Just imagine trying to start over with nearly HALF of what you need. 😳 ...
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