Having your homeowner’s insurance claim denied can be devastating, especially when it seems like the insurance company is denying your claim based on flimsy reasons or absurd technicalities. That’s why you need an experienced legal advocate to protect your rights and ensure that you get the coverage you deserve. Here are five tips that will help you win your homeowners insurance claim denial case if it comes to that
1) Appear Confident
Don’t let the word claim in homeowners insurance claim denial throw you off, as this is a positive step towards protecting your property. Homeowner’s insurance claim denial attorneys will work on your behalf and are experienced in navigating the claims process. You should not feel discouraged if your homeowner’s insurance company denies your claim. The company does not have to be acting in bad faith for their decision-making process. They need to provide valid reasons for denying the claim. A homeowner’s insurance claim denial attorney can help answer any questions that arise during this process or assist with gathering evidence of fault or damage that would negate any homeowner responsibility. If your homeowner’s insurance company denies your claim, talk to an attorney. These professionals have expertise in handling claims and will be able to advise you on what steps to take next. It’s always a good idea to get a second opinion when dealing with major life decisions like homeowners insurance claim denial. With an experienced lawyer at your side, you’ll know that all possible avenues were explored and no stone was left unturned.
2) Get a Second Opinion
After reviewing your claim and determining that it will not be covered, the insurance company sends a letter of denial. If you find yourself in this situation, one of the first things you should do is call another homeowners insurance claim denial attorney to get a second opinion on your case. They may notice something the other attorney missed and help turn things around for you. It’s worth noting that these attorneys are usually considered experts at their profession and they often specialize in certain areas. For example, an attorney who specializes in medical malpractice might also be knowledgeable about homeowner’s insurance claims so it’s worth calling them to see if they can make a difference with your claim. The cost for hiring one of these attorneys varies depending on how much work to be done but it needs could save you money down the line. Sometimes the job of fighting for a denied claim doesn’t require a lot of time or energy which means you can hire an attorney to help with some aspects while doing the rest on your own.
3) Understand What is Covered By Your Policy
The insurance policy must be carefully read, as there are always exclusions and limitations on the types of damages that will be paid by the insurer. You should also know what is not covered by your policy, such as most floods and earthquakes, fire, volcanic eruption, terrorist acts, war risk or civil insurrection.
Your agent or company representative should answer any questions you have about your coverage but it’s a good idea to double-check the particulars of your policy with an attorney if you think the situation warrants it. If there are no exclusions in your policy for a particular type of damage then it will be paid in full from your insurance company. For example, if you have hurricane damage due to wind or flooding caused by rain, then those damages would be paid under your homeowners insurance. Know What Damages Are Covered By Your Policy: A homeowner needs to know what damages are covered under their policy so they can ask their insurer right away before they incur expenses that might not be reimbursed. For example, some policies may only cover losses like those caused by theft while others may include things like broken plumbing pipes caused by clogs which may result in mold problems. It’s important to understand these different types of loss so that you can make an informed decision when choosing homeowners insurance providers.
4) Expect Some Resistance
The insurance company is not on your side and will find any reason imaginable to deny your claim. From their perspective, their goal is to pay as little money as possible for an accident that was not your fault. Their argument will be we do not have a contract with you so why should we honor your request? This can be frustrating, but stay patient and cooperative. Here are some tips that could help you win the case:
1) Make sure there are no discrepancies in the police report. If it says driver instead of driver or pedestrian, then this might mean your claim has been denied. It’s important to keep records of all conversations with the insurance company and maintain copies of all correspondence related to the claim.
2) Be honest about who was driving at the time of the accident. You may need to ask someone else for permission before providing details about their involvement in an accident because they may have been a passenger or pedestrian at the time. 3) Read all documents carefully before signing them; once you sign them, it will make it difficult to back out if necessary later on down the line.
5) Build an Argument for Coverage
When you are denied coverage from your insurance company, it is the perfect time to hire a homeowner’s insurance claim denial attorney. Sure, an agent might tell you that there’s nothing that can be done about your claim being denied. The truth is there is something that can be done if you have the right lawyer on your side.
Insurance companies have many excuses for not paying homeowners claims and they’re just made up because they know most people will settle or just give up because it’s not worth their time and effort. We always say that when a denial letter comes in the mail and we take a quick look at it, chances are there’s one sentence in there which would lead us to conclude that this homeowner should win their case hands down. It’s our job as attorneys to dig deep into these denials letters and find out where the insurance company is wrong, so that we can help you get what you deserve!
All too often we see cases where homeowners are denied coverage due to items being excluded under their policy. For example, if your policy excludes damage caused by flooding then you’re going to have a tough time proving coverage even though flooding damaged your property. Our advice here is simple – get the best homeowner’s insurance policy available and make sure it has all of the protection needed against floods! That way, even if something happens years later like Hurricane Harvey or Sandy hit nearby, then your home won’t be left without protection.
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