Homeowner & Renter Insurance Disputes
Homeowner and renter insurance policies do not only protect homes, but they provide coverage for special content inside the home. Items such as clothing, electronics, jewelry, furniture, athletic/exercise equipment, appliances and other collectibles are included. Most policies cover property damage caused by fires/smoke; theft/vandalism; lightning; explosions; hail/snow/sleet/windstorms and other inclement weather conditions; electrical surges; falling objects; water system problems; plumbing failures and appliance failures. If any of these unfortunate events result in injury or damage to your home or property, you are entitled to a homeowner and/or renter insurance claim. In the event that your claim is denied, an Orlando insurance claim lawyer can assist you.
Denied Homeowner & Renter Insurance Claims
A denied homeowner and/or renter insurance claim can result in much frustration and agony. You may be placed in a position to afford injuries, property damage and replacement of valuable assets independently. With the assistance of an insurance attorney in Orlando, FL, you may not have to. There are alternative options available to you to ensure that you gain the compensation you deserve when a home emergency strikes.
Common Reasons for Denial
There are numerous reasons why a homeowner/renter insurance claim might be denied. And it is not always the result of the bad faith practices of an insurance company. If your claim is denied, it may be because of the following reasons.
The cause of loss is not included in your coverage plan. Every homeowner/renter insurance policy is different. Many, in fact most, insurance companies have specific provisions and areas that they cover. If the cause of loss you wish to gain compensation for is not covered by your insurance plan, you will not be eligible for compensation. For example, if a flood severely damages your home, but there is no flood protection in your insurance contract, you will be responsible for covering your own fees. Most states have common issues and threats that insurance companies account for.
Your claim has discrepancies. With any type of claim, it is important that you present information to your insurance provider in a manner that is clear, detailed and specific. There should be no loopholes or missing information in your claim. Failure to address any discrepancies may result in a denial.
Your claim lacks sufficient evidence. Supporting documentation is essential to a successful claim. You will need as much evidence as possible to bolster your claim. Materials such as the detailed testimonies of witnesses, clearly visible photographs, and records must be included.
Untimely and/or improper claim submission. Every insurance company contains rules and principles regarding homeowner/renter insurance claims. They must be presented in a specific type of way and within the time constraints. A late claim will result in an outright rejection.
What To Do If Your Claim Is Denied
If your homeowner/renter insurance claim is denied, you should contact an experienced insurance claim attorney in Orlando, FL. Legal representation and guidance will prove to be beneficial to you. There are key tasks that you should complete if your insurance claim is rejected.
Review your contract. First, you should re-review your insurance policy contract to be certain of the rights and privileges you are owed. What type of plan do you have? How does this plan work? What types of damages are covered under this plan? How long do you have to file a claim? After assessing these basic concerns, you can evaluate what may have went wrong with your claim in the first place, or determine if your insurance company is acting in bad faith.
Review your claim. Carefully review your claim. Check for any errors and discrepancies. Is your claim clear, detailed and specific? Was your claim submitted properly and in a timely manner?
Gather supporting information. Locate and gather additional documents, photographs and records to support your claim. An Orlando insurance lawyer can assist you with this.
Take action. After adhering to the aforementioned steps, you may be entitled to take action through an official appeal of the insurance carrier’s decision and disputing the claim. You will need the legal representation of an aggressive insurance attorney during this process.
Orlando Insurance Claim Lawyers
At the Law Offices of Michael B. Brehne, P.A., our insurance law firm is comprised of a team of lawyers that understand how essential homeowner/renter insurance is. But what is the point of paying hundreds of dollars into an insurance plan when you are denied basic compensation after a home emergency? Our Orlando insurance lawyers believe that you are owed monetary awards when unforeseen circumstances result in injuries or property damage. If your homeowner and/or renter insurance claim is denied, contact us for a free consultation for all insurance cases. We will fight your battle.