Insurance Claim Denial Lawyers
Having your insurance claim denied after an unforeseen event like a flood or fire can throw your whole life into chaos. Unfortunately, this type of insurance claim denial happens all too frequently.
If insurance denies your claim, you may not realize that there are some crucial next steps. Appealing insurance claims and fighting for your best interests requires a law firm with an established track record of going to the mat for its clients.
Reasons Insurance Companies Deny Claims
Receiving an insurance claim denial for a valid claim can be so frustrating. You know what you have experienced, and receiving a letter overruling your pain and hardship adds insult to injury.
Here are some common reasons your insurance company may deny your claim:
Preventable accidents are incidents where insurance claim holders failed to do every reasonable action to keep the event from happening. Examples of avoidable accidents include fires that start as a result of leaving candles unattended, or overloading an electrical outlet beyond its recommended capacity.
Inadequate Repair or Documentation
Address any issue with your property as soon as you notice it. For example, if you see a leaky pipe, you need to make sure repairs are made quickly. Even minor leaks can be used as evidence against your claim if they are not quickly repaired.
Additionally, take pictures and keep any invoices from your repairs. These documents help demonstrate that you took reasonable precautions to avoid the property damage.
Property is Worth Less Than Your Claim Indicates
The insurance company uses industry-guarded algorithms for determining what your claim is worth. These estimates may not match up with what something is worth to you, but the insurance company rarely takes that into account.
False Statements or Allegation of Illegal Activity
Exaggerating an otherwise valid claim to leverage a bigger payout from the insurance company is illegal. Likewise, if the damage occurred due to criminal acts, there may be no available coverage.
Insurance policies do not usually provide blanket coverage. Policies usually come with exclusions for certain circumstances that prevent insurance companies from taking action on your case. For example, maintenance issues, illegal acts, or intentional damage don’t meet insurance guidelines.
Not Acting Quickly Enough Following an Injury
Time is of the essence in propety damage cases. When you have experienced a property loss, you need to make sure you follow specific steps to ensure the best possible outcome.
What to Do If Insurance Denies Your Claim?
Hearing that your claim has been denied can be confusing. Usually, the denial process will include a formal letter from the insurance company with language that outlines the specific reasons your claim was denied. Take time to thoroughly read this letter and see if you agree with their assessment.
Appeal an Insurance Claim Denial
If you disagree with your provider’s ruling, then you have a legal right to appeal an insurance decision. If you are going this route, you will need to act quickly because there is a limited window of time to appeal an insurance decision.
A formal appeal will prompt the insurance company to look at your case again. It is important to have as much evidence to support your claim as possible. Organized documentation may help the insurance company look at your case in a new light.
Consult a Property Insurance Claims Professional
Getting a consultation from a professional can help you figure out the next step for your claim. A Property Insurance claim consultant will walk through your case and help you gather any information to prove that your claim was mistakenly denied.
File a Formal Complaint
Sometimes you will need to file a formal complaint. Your insurance policy is like a contract. Your insurance company should be accountable for any deviation from that contract. Bad faith insurers shouldn’t be allowed to shortchange policyholders. Filing a complaint with your state’s insurance commissioner may be necessary to get the best results.
Hire an Insurance Claim Attorney
Navigating the complicated claims process requires an attorney who understands how the insurance industry works. There are many property insurance lawyers out there, so many sure you find one with a results-driven track record.
Farah & Farah have helped countless people across Florida and Georgia with insurance claim denials. Plus, we work on a contingency basis, so you won’t be responsible for anything unless we win!
Avoiding Insurance Claim Denial
The best solution for appealing insurance claims is to put your best foot forward during the initial claims process. Many people do not realize that a knowledgeable lawyer can help you file your initial claim. Getting advice from a lawyer can help streamline your process and may even improve your outcomes!
Farah & Farah will help you with every step of the process, including:
- Informing your insurance company about damages and losses before your time limit runs out.
- Reviewing the limits of your policy.
- Arranging for steps to protect the property and mitigate damage.
- Creating clear documentation with itemized lists of losses.
- Negotiating on your behalf with the insurance company.
Fighting Insurance Claim Denials is Hard, Let Us Help
If you feel your insurance company denied your claim incorrectly, it’s important to file right away. Waiting too long may expose you to allegations of insurance fraud or cause you to miss deadlines.
An insurance company is a for-profit business, so it is in their best interest to deny claims and avoid payouts whenever possible. This means that insurance companies do not always act in their client’s best interests. Unfortunately, many policyholders in good standing wind up suing appealing insurance claims.
Fighting insurance claim denials is a time-consuming process. You need a professional who understands how to appeal insurance denials. The insurance company has lawyers on their side. You deserve the protection of someone looking out for your best interests.
You & Your Family Since 1979