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PODCAST

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

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All Episodes

3:03

Flood Disasters: Uncovering the Shocking Truth Behind...

Denial Of The Day ·

2025/07/01

🌊 “Flooded” Basement? Be Careful What You Call It! 🚨 That one word can make or break your claim. Most policies *exclude* flood damage—but don’t worry, we’ll explain why your “water damage” might still be covered. 💦 The difference between water damage and flood damage can seem like semantics… until your insurance company uses it to deny your claim 🤯 Flood = external (creeks, heavy rain runoff), and water damage = internal (burst pipes), and they are NOT treated the same. We've seen

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2:48

When Policies Attack: The DISCO Dilemma in Insurance...

Denial Of The Day ·

2025/06/30

🚨 DISCO Isn’t a Dance Move… It’s a Claims Nightmare! 🚨 If your building materials are *discontinued* (aka DISCO), your chances of a full insurance payout might just leave the chat. 😬 Insurance carriers love to pull out the tiny-print policy language that keeps YOU from getting back to pre-loss condition. Most property owners and even contractors have no idea what to say—let alone what *not* to say—to get this covered. 😅 That’s where we step in. At Bellator Claims, we deal with this

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4:09

When Loyalty Backfires: Unearthing Hidden Insurance...

Denial Of The Day ·

2025/06/23

🤝 Loyal to Your Insurance Company? Are They Loyal to YOU? 😳 You’ve paid your premiums for decades… then one big claim and suddenly, silence. Why are so many property owners feeling *guilty* about filing a legitimate claim? You’re not asking for a favor — you’re demanding what’s owed. 💰 We get it. You've been with the same insurance company for 15, 25, even 50+ years — and it feels like *betrayal* to push back. But here's the kicker: If they actually valued that loyalty, would you need

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5:08

From Ashes to Victory: Bellator Claims Doubles Your...

Denial Of The Day ·

2025/06/19

🔥 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 emotional, messy, and overwhelming. That’s exactly when you need a pro to fight back, take

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5:14

HOLEEEEY HAIL storm in Northern Colorado

Denial Of The Day ·

2025/06/17

HOLEEEEY HAIL storm in Northern Colorado. Here are 3 things you need to know from the public insurance adjuster perspective...

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3:20

Claim Chaos Unlocked: How We Saved a $300K Deal! ⚔️

Denial Of The Day ·

2025/06/16

🏚️ 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 work with sellers, buyers, agents, and brokers to make sure no money is

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4:09

Loyalty Isn't Mutual: Why Insurers Underpay Long-Time...

Denial Of The Day ·

2025/06/13

🤝 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 clients had been with the same insurer for over 50 years… and still got short-changed

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4:22

Rates Soaring, Claims Failing: The Insurance Fight...

Denial Of The Day ·

2025/06/13

😳 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 💸 Just to get your roof replaced. Feeling sick yet? This is about more than just

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4:12

Unmasking 'Reasonable': How Insurers Play the Waiting...

Denial Of The Day ·

2025/06/13

🤔 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 quick responses and real results. 🏗️💥 At Bellator Claims, we treat

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6:57

We Battled Insurers & Claimed 139% More for Your...

Denial Of The Day ·

2025/06/13

🏗️ 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 property owner. Losing a long-term tenant over the wrong repair? Not on our watch. 🚫

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5:44

When Insurance Companies Play Dirty: Outsmarting...

Denial Of The Day ·

2025/06/09

📞 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 hanging up after one ring. No voicemail? No problem — they’ll still document

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4:58

When Insurance Forgot the Horses: Bellator Claims'...

Denial Of The Day ·

2025/06/06

🐴 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 injured horses to families shelling out for hotels during major repairs —

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4:50

Uncovering Employee Deceit: $550K Fraud or Workplace...

Denial Of The Day ·

2025/06/06

😳 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. 💸 Here's the deal: 📜 Policies usually renew annually, which means coverage only

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4:00

Tornado Chaos: Unveiling Insurers' Secret Claims...

Denial Of The Day ·

2025/06/04

🌪️ 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 only get one shot to get it right. We’ve seen too many people come to us

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7:04

Claim Victory: From $4K to a Whopping $130K Settlement!

Denial Of The Day ·

2025/06/04

💥 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 tear"? Something's not adding up. 🤨 This property owner would’ve been left with

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2:48

Disco Inferno: Fighting Insurance Hurdles & Winning...

Denial Of The Day ·

2025/06/02

🚫 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 this. At Bellator Claims, we speak fluent “insurance-ese” and know how to translate

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8:12

Engineering Exposed: Unmasking Bias in Insurance...

Denial Of The Day ·

2025/06/02

🤔 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 damage. 😡 The issue? They're not calling balls and strikes — they're just

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6:18

Rejection Gladiators: Conquering Insurance Denials...

Denial Of The Day ·

2025/05/23

🏠 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 damage that *should* be covered. When hail hits (and it will), your roof takes the

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3:04

Beware: Profiting from Claims Can Lead to Trouble &...

Denial Of The Day ·

2025/05/23

🚨 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 cheaper and pocket the rest.” Well, guess what? If you don’t actually *spend* that money on

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4:49

$350K to $1.5M: Unleash the Spartan in Your Insurance...

Denial Of The Day ·

2025/05/21

💰 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 got the call. 👊 In just **two months**, we not only reopened the claim—we

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