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
June 19, 2025 • 5 mins
🔥 They lost nearly everything in the fire… and their insurance company barely showed up. 😡
$245K wasn’t going to cut it — not when the family lost their pets, their home, and their peace of mind.
But then we stepped in. 💪 And “underpaid” turned into *almost* maxing out their policy.
We didn’t just advocate — we escalated. To the tune of **$460,849.20** in final settlement. 💥
Fire claims are emo...
$245K wasn’t going to cut it — not when the family lost their pets, their home, and their peace of mind.
But then we stepped in. 💪 And “underpaid” turned into *almost* maxing out their policy.
We didn’t just advocate — we escalated. To the tune of **$460,849.20** in final settlement. 💥
Fire claims are emo...
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June 17, 2025 • 5 mins
HOLEEEEY HAIL storm in Northern Colorado. Here are 3 things you need to know from the public insurance adjuster perspective...
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June 16, 2025 • 3 mins
🏚️ Selling a property with an open insurance claim? This one detail could BREAK the deal! 🤯 Most property owners – and even seasoned brokers – don’t realize how messy an insurance claim can get during a sale. If not handled right, that six-figure claim could disappear faster than your buyer’s interest 😬
🚨 Good news: We know how to save the deal, protect your payout, AND keep both parties happy. At Bellator Claims, we w...
🚨 Good news: We know how to save the deal, protect your payout, AND keep both parties happy. At Bellator Claims, we w...
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June 13, 2025 • 4 mins
🤝 Loyal to Your Insurance Company? They’re *not* always loyal back. 🤷♂️
We talk to property owners all the time who feel *guilty* for filing a claim or getting a public adjuster involved — even after being with the same insurer for 10, 20, even 50+ years! 🙈 But here’s the hard truth… if they were truly loyal to you, why did you need *us* to step in and fight for fair payment?
One of our longest-standing client...
We talk to property owners all the time who feel *guilty* for filing a claim or getting a public adjuster involved — even after being with the same insurer for 10, 20, even 50+ years! 🙈 But here’s the hard truth… if they were truly loyal to you, why did you need *us* to step in and fight for fair payment?
One of our longest-standing client...
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June 13, 2025 • 6 mins
🏗️ Insurance Tried a Patch Job — We Fought for a Full Fix! 🛠️🔥
The insurance company signed off on the fire damage ✅… then tried to change how the space was rebuilt. Their proposed “solution”? Drop the insulation into the tenant’s open-ceiling concept 🤯. Problem is… that's not *how it was* before — and it violated the lease.
This wasn’t just a design flaw — it was a massive financial liability for the prop...
The insurance company signed off on the fire damage ✅… then tried to change how the space was rebuilt. Their proposed “solution”? Drop the insulation into the tenant’s open-ceiling concept 🤯. Problem is… that's not *how it was* before — and it violated the lease.
This wasn’t just a design flaw — it was a massive financial liability for the prop...
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June 13, 2025 • 4 mins
😳 Insurance premiums are skyrocketing… but your coverage is SHRINKING 😤
You're not imagining things — rates are up over *50%* in places like Utah and Illinois. Colorado? Up 27% ⬆️ And guess what... while your premiums climb, your *deductible is doing somersaults* too — from a few thousand dollars to **5% of your property value** 🤯
That means a once-manageable $2,500 deductible could now be $50,000 💸 ...
You're not imagining things — rates are up over *50%* in places like Utah and Illinois. Colorado? Up 27% ⬆️ And guess what... while your premiums climb, your *deductible is doing somersaults* too — from a few thousand dollars to **5% of your property value** 🤯
That means a once-manageable $2,500 deductible could now be $50,000 💸 ...
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June 13, 2025 • 4 mins
🤔 What does “reasonable” mean to your insurance company? Spoiler alert: It’s probably not what *you* think. 😤 Your version of “a few days” could be their version of “we’ll get to it... maybe next month.”
⏰ If your claim is dragging on, repairs are delayed, or communication from your insurer is non-existent, you’re not alone. Policies rely on vague terms like “reasonable time” — but who gets to define that? We believe in ...
⏰ If your claim is dragging on, repairs are delayed, or communication from your insurer is non-existent, you’re not alone. Policies rely on vague terms like “reasonable time” — but who gets to define that? We believe in ...
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June 9, 2025 • 5 mins
📞 Missed a Call from Your Insurance Company? That Could Cost You Thousands 😡
Insurance companies are leaving critical claim decisions on *voicemails* — at night, on weekends, even on Easter. And if you miss it? They’ll document the call, claim you didn’t respond, and delay or *deny* coverage altogether.
We’re now seeing a sneaky trend: 📉
Insurance adjusters are intentionally calling outside normal hours or...
Insurance companies are leaving critical claim decisions on *voicemails* — at night, on weekends, even on Easter. And if you miss it? They’ll document the call, claim you didn’t respond, and delay or *deny* coverage altogether.
We’re now seeing a sneaky trend: 📉
Insurance adjusters are intentionally calling outside normal hours or...
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June 6, 2025 • 4 mins
😳 An employee stole $550,000… and the insurance only paid $137,000?!
Yup — after *12 YEARS* of theft, the claim only covered what was stolen in the most recent policy year. The rest? Gone. 😤
Property owners: this is your wake-up call. Employee dishonesty claims exist, but they come with serious fine print. If you suspect something shady's been going on, waiting could cost you hundreds of thousands. 💸 ...
Yup — after *12 YEARS* of theft, the claim only covered what was stolen in the most recent policy year. The rest? Gone. 😤
Property owners: this is your wake-up call. Employee dishonesty claims exist, but they come with serious fine print. If you suspect something shady's been going on, waiting could cost you hundreds of thousands. 💸 ...
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June 6, 2025 • 4 mins
🐴 Loss of Use Isn’t Just About People… It’s About HORSES Too! 🧾🐎
Most property owners don’t realize this until they’re slapped with surprise expenses — boarding animals, storing equipment, booking temporary housing — all because their property is unusable after a loss. Guess what? That’s what *Loss of Use* and *Additional Living Expenses* are FOR… but you have to know how to claim it. 💸
We’ve seen everything from...
Most property owners don’t realize this until they’re slapped with surprise expenses — boarding animals, storing equipment, booking temporary housing — all because their property is unusable after a loss. Guess what? That’s what *Loss of Use* and *Additional Living Expenses* are FOR… but you have to know how to claim it. 💸
We’ve seen everything from...
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June 4, 2025 • 4 mins
🌪️ Tornado Damage? One Wrong Move = Denied Claim 😱
Filing the wrong *cause of loss* after a storm can ruin your entire claim. Wind? Hail? Tornado? Your policy treats them *differently*—and one tiny mistake could cost you **everything** 😤
Most property owners don’t know this… until the insurance company starts looking for a way out 6-12 months later. That’s why filing **correctly from the start** is critical. You...
Filing the wrong *cause of loss* after a storm can ruin your entire claim. Wind? Hail? Tornado? Your policy treats them *differently*—and one tiny mistake could cost you **everything** 😤
Most property owners don’t know this… until the insurance company starts looking for a way out 6-12 months later. That’s why filing **correctly from the start** is critical. You...
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June 4, 2025 • 7 mins
💥 From $4K to $130K?! 💥
That's not a typo — the carrier offered *pennies*, and we turned it into a *massive win*. 🏆 How? We didn’t back down when the insurance company rolled out the ol’ “engineer report” blaming the damage on... pigeons. 🐦💩 Yep, you read that right.
Let’s be real — if 2.5-inch hail smashed your tile roof and every house nearby got full replacements, but *you* get denied for "wear and ...
That's not a typo — the carrier offered *pennies*, and we turned it into a *massive win*. 🏆 How? We didn’t back down when the insurance company rolled out the ol’ “engineer report” blaming the damage on... pigeons. 🐦💩 Yep, you read that right.
Let’s be real — if 2.5-inch hail smashed your tile roof and every house nearby got full replacements, but *you* get denied for "wear and ...
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June 2, 2025 • 2 mins
🚫 DISCO isn't always a party… especially in insurance! 🚨 That “discontinued” roofing, siding, or window material could wreck your claim — and your wallet. 😩 Most policies have vague language that insurers love to twist to avoid paying full value.
If the material can’t be matched, how are you supposed to return the property to pre-loss condition? 🤔 Spoiler alert: you're not… unless you know how to navigate t...
If the material can’t be matched, how are you supposed to return the property to pre-loss condition? 🤔 Spoiler alert: you're not… unless you know how to navigate t...
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June 2, 2025 • 8 mins
🤔 What if the engineer your insurance company hired was never on your side to begin with? 🤷♂️
Imagine trusting a report that’s supposed to be “unbiased” — only to find out it’s based more on loyalty than science. 🧪 Or worse, it denies obvious hail damage by calling it… bird poop? 🐦💩
We see this all the time: insurance-paid engineers delivering reports that are skewed, lowballing repairs, or outright denying d...
Imagine trusting a report that’s supposed to be “unbiased” — only to find out it’s based more on loyalty than science. 🧪 Or worse, it denies obvious hail damage by calling it… bird poop? 🐦💩
We see this all the time: insurance-paid engineers delivering reports that are skewed, lowballing repairs, or outright denying d...
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May 23, 2025 • 6 mins
🏠 Not All Roofs Are Created Equal… But Your Insurance Could Treat Them Like They Are 😬
Metal, tile, asphalt, or the outdated 3-tab — each roof has its quirks, strengths, annnnd major insurance pitfalls 😩
We see it all the time: property owners invest in a premium roofing system, only to get hit with a denial due to "cosmetic exclusions" or “wear & tear.” 🤦♂️ Translation? A denied claim for storm ...
Metal, tile, asphalt, or the outdated 3-tab — each roof has its quirks, strengths, annnnd major insurance pitfalls 😩
We see it all the time: property owners invest in a premium roofing system, only to get hit with a denial due to "cosmetic exclusions" or “wear & tear.” 🤦♂️ Translation? A denied claim for storm ...
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May 23, 2025 • 3 mins
🚨 Think you can pocket the extra cash from your insurance claim? Think again. 😳
That $30K "bonus" you're dreaming about could actually land you in hot water—and we’re not talking about a hot tub.
Insurance is about being made whole, not making a profit…and yes, there *is* a big difference. 💰🔥
Too many property owners see a big claim payout and think, “Hey, maybe I can get the work done chea...
That $30K "bonus" you're dreaming about could actually land you in hot water—and we’re not talking about a hot tub.
Insurance is about being made whole, not making a profit…and yes, there *is* a big difference. 💰🔥
Too many property owners see a big claim payout and think, “Hey, maybe I can get the work done chea...
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May 21, 2025 • 4 mins
💰 From $356K to $1.5 MILLION?! Yep… that just happened. 😲
This one had the whole team doing a double take—more than 421% increase from the original estimate. 📈
Insurance said “take it or leave it.” We said “watch this.” 😎
This contractor had been fighting for *months* trying to get a fair payout. The odds were stacked, the client was burned out, and the insurance company seemed locked in. That’s when we g...
This one had the whole team doing a double take—more than 421% increase from the original estimate. 📈
Insurance said “take it or leave it.” We said “watch this.” 😎
This contractor had been fighting for *months* trying to get a fair payout. The odds were stacked, the client was burned out, and the insurance company seemed locked in. That’s when we g...
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May 20, 2025 • 4 mins
😤 “It’s just cosmetic.” Translation: Denied. 😡
If you’ve ever heard those words from an adjuster, you know how frustrating it is. But here’s the truth — some of those so-called “cosmetic” issues are actually FUNCTIONAL damage in disguise. 🕵️♂️
When claim denial scripts start rolling — “marring,” “not enough hits,” “cosmetic only” — it’s time to ask the real question:
🔬 “What scientific test did you run t...
If you’ve ever heard those words from an adjuster, you know how frustrating it is. But here’s the truth — some of those so-called “cosmetic” issues are actually FUNCTIONAL damage in disguise. 🕵️♂️
When claim denial scripts start rolling — “marring,” “not enough hits,” “cosmetic only” — it’s time to ask the real question:
🔬 “What scientific test did you run t...
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May 19, 2025 • 3 mins
😳 Over HALF of Property Damage Claims in Florida Were DENIED with $0 Paid?! 😤
Yep… 14 insurers just flat out closed thousands of claims without paying a single dime. 😵💫 That doesn’t just hurt policyholders in Florida—this trend sets a dangerous precedent for the entire country.
States like Colorado, Texas, and Minnesota aren’t immune. As weather events increase, we’re seeing these same strategies creep in...
Yep… 14 insurers just flat out closed thousands of claims without paying a single dime. 😵💫 That doesn’t just hurt policyholders in Florida—this trend sets a dangerous precedent for the entire country.
States like Colorado, Texas, and Minnesota aren’t immune. As weather events increase, we’re seeing these same strategies creep in...
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May 16, 2025 • 8 mins
🏢 Not All Roofs Are Created Equal… Especially When Insurance Is Involved 😤
One commercial roof could last 50 years — another might not survive Colorado’s next hailstorm.
The worst part? Your insurance company *knows* this… and they’ll use it against you when it’s claim time.
We broke down the MAJOR types of commercial roofing systems — metal, BUR, TPO, modbit, EPDM, SPF and more — including how long they la...
One commercial roof could last 50 years — another might not survive Colorado’s next hailstorm.
The worst part? Your insurance company *knows* this… and they’ll use it against you when it’s claim time.
We broke down the MAJOR types of commercial roofing systems — metal, BUR, TPO, modbit, EPDM, SPF and more — including how long they la...
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