Here in Florida, we are frequently hit hard by hurricanes. If your home suffered damage in a hurricane – like the recent Hurricane Ida that did so much damage – but your claim was denied, don’t panic. Insurance companies often deny claims initially. Sometimes the denial is legitimate, and sometimes it’s an honest mistake. Sometimes it’s the insurance company’s attempt to save money. Regardless, we can help you understand the reasons for the denial and then plan to change the decision if the denial was improper.
Often, repairing hurricane damage to a home or car can’t wait. It needs to be addressed immediately – which means you will be seeking reimbursement from your insurance company. Receiving a denial of your claim and not receiving the funds you expected or receiving much less than it cost to do the repairs can be very discouraging, but it might not be the end of the road for you. You may be able to contest the denial.
An important word of caution: While it is always best to contact your insurance company before making any repairs, sometimes they need to be made immediately. If this is the case, before you make any repairs, and possibly even before you move anything or clean anything, take pictures or videos of the damage and store them in a safe place. This evidence will be critical in supporting your claim, especially if the damage requires you to make quick repairs.
Reasons for insurance claim denials
Some reasons for denial may be legitimate, but some are not. Here are a few of the most common reasons for denial:
- Lack of coverage for the damage claimed – this happens frequently in the case of flood damage if that is not specifically covered by the policy
- Insufficient evidence to support the damage
- Coverage limit is reached – this can happen if your policy coverage is less than the cost of repairs
- Insufficient proof of expenses paid
- Pre-existing damage or damage caused by natural wear-and-tear
- Lack of appropriate maintenance
How we can help
If you have been denied reimbursement by your insurance company, or if you have received too low a reimbursement, you may be able to successfully appeal with the help of an attorney experienced in dealing with insurance companies. After all, you’ve probably been paying homeowners insurance for years and have rarely, if ever, had a claim. You are most likely entitled to some reimbursement for all the money you have already paid.
Do not sign any agreement until we talk. I will look closely at your policy, the reasons for denial, and any evidence you have (photos or other proof of condition prior to the storm, such as bills showing regular maintenance). Many insurance companies are ready to settle if a customer retains a competent attorney to argue their case for them. I have a long track record of winning significant settlements for my clients. Wherever you are in Florida, call me 24/7 at (954) 448-7288 to schedule your free consultation.