Insurance Lawyers For Denied Claims
Did you file an insurance claim against your homeowner’s policy only to be denied? There are many reasons insurance companies use to reject claims, but if you believe you were wrongfully denied, we’re here to help. As experienced insurance attorneys, we fight for your right to fair compensation. Don’t settle for less—let us review your case and guide you through the appeals process to get what you deserve. Contact us today to consult your case.
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What is Insurance Denial?
Insurance denial occurs when an insurance company refuses to pay out a claim, either partially or in full, often citing reasons like policy exclusions, insufficient coverage, or incomplete documentation. This can happen to homeowners who file claims for damages caused by events such as floods, fires, or storms. Unfortunately, many claims are denied even when homeowners believe they are entitled to compensation. When a claim is denied, it can leave homeowners facing significant financial burdens. In such cases, it may be necessary to challenge the denial or seek legal advice to ensure a fair outcome.
Frequently Asked Questions
Home insurance claims can be denied for various reasons, including but not limited to:
- Lack of coverage: The policy may not cover the specific type of damage (e.g., flood damage if you don’t have flood coverage).
- Policy exclusions: Certain events or damages might be explicitly excluded in the policy (e.g., wear and tear, maintenance issues).
- Late reporting: Failing to report the damage within the insurer’s required timeframe.
- Pre-existing damage: The damage may be determined to have occurred before the policy took effect.
- Breach of policy terms: This could include not maintaining the property properly or violating specific terms of the policy.
A denied claim may be unjust if:
- The denial is based on vague or incorrect interpretation of your policy terms.
- The insurer failed to properly investigate the claim.
There was bad faith involved, such as an insurer deliberately delaying or misrepresenting the coverage. - Policy ambiguities: If the language in the policy is unclear or ambiguous, the interpretation should generally favor the policyholder. In such cases, a legal professional can review the denial to determine whether it was appropriate or if you have grounds for an appeal.
The amount you can recover from your building insurance depends on:
- The type and extent of the damage: Insurers typically cover the cost of repairing or replacing the damaged structure up to the policy limit.
- Your policy limit: This is the maximum amount your insurer will pay for a claim, which should reflect the value of your property.
- Deductibles: Any deductible amount will be subtracted from the payout.
- Depreciation or replacement cost: Depending on your policy, you may receive either the depreciated value of the damaged property (actual cash value) or the full replacement cost.
Expert Legal Services For Denied Claims Dispute
We’ve heard you. In recent years, there have been over 8,000 outstanding insurance claims from the floods, and many more have been denied for various reasons. It’s a frustrating dilemma for homeowners who are left without the support they need to rebuild. If you’re a homeowner and your claim was denied, it’s important to seek legal advice. Consulting with an attorney can help you understand your rights and ensure you get the best possible outcome for your case.