Claim Denial

If Your Homeowners Insurance Claim Has Been Denied, Hire Our Property Damage Attorneys To Get Help

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FAQ: My Homeowners Damage Claim Was Denied. What Do I Do?

If your claim has been denied by your insurance company, or if your insurer is refusing to defend you, contact the firm at Florida Property Damage Attorneys for a free consultation. In the case that you are a victim of bad faith, additional damages may be recovered on your behalf. A bad faith lawsuit will be filed against your insurance company on your behalf, in an effort to recover charges such as the insurance payment, interest, and possibly punitive damages. 

Contact one of our Florida Property Damage Attorneys for more information on your insurance company's obligations to your claim. 

When A Homeowners’ Insurance Claim Denial Is Bad Faith

It isn't uncommon for insurance companies to regularly aim to undervalue or deny a homeowners' property damage claim.  If you have been paying your insurance premiums consistently and in a timely manner, you're likely to expect you insurer to follow through with their responsibilities to your claim. In this, it is important to remember that insurance companies are never on your side.

Typically, insurance companies value profit over the best interests of their policyholders. Therefore, your insurance claim may be denied in bad faith in an effort to increase their own profit. Once your insurer fails to maintain its obligations, you may have legitimate reason to pursue a bad faith lawsuit. While many are made in bad faith, some may be accidentally denied. 

Contact one of our Florida Property Damage Attorneys for more information on your claim denial. 

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What to Do When Your Homeowners’ Insurance Claim Was Denied?

Prior to appealing your insurer’s choice to deny coverage, you must prepare a successful strategy to do so. Before you reach out to your insurance company to inquire about your denial or file an appeal, you must:

  1. Meet with a homeowners’ insurance lawyer

  2. Review your insurance policy and claim to understand their reason for denial. 

Once you receive a denied claim, your insurer is obligated to provide you with a notice explaining why. If this is not received, it is within your rights to contact the insurance company to request an explanation. If your insurer fails or refuses to follow your request, you might have a bad faith lawsuit on your hands. If so, you may

be able to bring a civil action against your insurance company under the Florida Statutes Section 624.155.

As explained in the Homeowner Claims Bill of Rights outlined in the Florida Statutes Section 627.7142, policyholders have the right, within 90 days of submitting a proof-of-loss statement, to receive:

  • Full settlement for the claim (if covered in full)

  • Partial payment for the undisputed portions of the claim

  • Claim denial

Contact one of our Florida Property Damage Attorneys for more information on your claim denial. 

Understanding Your Insurance Company's Obligations To Claim

Insurance Company Obligations: Your Florida homeowners insurance provider is under much less obligation to you.

 

Per Florida law, your insurance company is only obligated to:

  • Respond to communications from you within 14 days of receipt (Florida Statutes Chapter 627, Section 70131).

  • Pay or deny your claim within 90 days of receiving notice of your claim, unless there are factors beyond their control.

Contact one of our Florida Property Damage Attorneys for more information on your insurance company's obligations to your claim. 

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Contact Our Florida  Homeowners & Property Damage Insurance Attorneys

If you've received denial of your insurance claim, your first step is to reach put to an experienced attorney to assist you through this process. The firm at Florida Property Damage Attorneys will gather substantial evidence and documentation to dispute the denial. 

It is against our legal advise to appeal your insurer’s decision without new documentation and evidence to support your position. 

 

If you suspect that your insurer has acted in bad faith, schedule a free consultation with Florida Property Damage Attorneys. Call us at 850-577-1699 for a review of your case. 

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Hire An Insurance Claims Attorney After You File Your Claim

If you've already filed a homeowners insurance claim in Florida and you're contemplating hiring an insurance claim attorney, better late than never is the proper adage to apply. If you feel your claim was either denied unfairly, paid less than it should have, or is hung up in the process, a Florida insurance claim attorney can advocate on your behalf with your insurance provider.

 

Florida Property Damage Attorneys has over 25-years experience as Insurance Claims Attorneys in Florida. We have assisted countless Florida homeowners in processing, and sometimes litigating, their insurance claims. We will review your homeowners insurance claim for free to determine the best next steps for your case. Call us today to schedule your no-cost, no-obligation consultation at 850-577-1699.