Denied Property Insurance Claim in Orlando, Florida? Here’s What You Can Do

Dealing with property damage is stressful enough, but a denied property insurance claim can make matters even worse. If you’re in Orlando, Florida, and your claim has been rejected, you still have options. Insurance companies sometimes deny claims unfairly, but with the right approach, you can challenge the decision and secure the compensation you deserve.

This guide explains why claims get denied and what steps you can take to overturn a denial and protect your rights as a policyholder.

Common Reasons for Property Insurance Claim Denials in Orlando, FL

Insurance companies may deny claims for various reasons. Some may be valid, while others could be an attempt to reduce payouts unfairly. Here are some common reasons for denials:

• Missed Deadlines – Insurers impose strict deadlines for filing claims. If you file late, they may reject your claim.

• Insufficient Documentation – Lack of evidence, such as photos, repair estimates, or receipts, can result in a denial.

• Policy Exclusions – Certain damages, like flood damage or gradual wear and tear, may not be covered.

• Pre-Existing Damage – Insurers may argue that the damage existed before the reported incident.

• Failure to Mitigate Damage – Policyholders must take action to prevent further damage, like temporary repairs.

• Bad Faith Practices – Some insurance companies may wrongfully deny valid claims to avoid large payouts.

If your claim has been denied, understanding the exact reason for the rejection is key to fighting back.

Learn more about common bad faith insurance practices

Steps to Take After a Property Insurance Claim Denial in Orlando

If your claim has been denied, follow these steps to increase your chances of overturning the decision:

1. Review the Denial Letter - Your insurer is required to provide a written explanation for the denial. Carefully review this letter to understand their reasoning.

2. Understand Your Insurance Policy - Check your policy details, including covered damages,** exclusions**, and filing deadlines. Understanding your policy helps determine if the denial is justified.

3. Gather Additional Evidence - If your claim was denied due to lack of evidence, collect:

• Photos and videos of the damage
• Contractor estimates and repair invoices
• Witness statements
• Reports from independent inspectors

4. Request a Second Inspection - If you believe the insurance adjuster undervalued the damage, ask for a reinspection or hire a public adjuster for an independent assessment.

5. File an Appeal - Most insurers have an internal appeals process. Submit a formal appeal with supporting documentation to dispute the denial.

6. Use Mediation or Appraisal - If the appeal fails, Florida law allows policyholders to enter mediation or request an appraisal to resolve disputes.

7. Contact an Insurance Attorney - If all else fails, hiring an experienced property insurance lawyer in Orlando can help you fight back. Louis Law Group specializes in denied insurance claims in Orlando and can advocate on your behalf.

Read more about Florida’s insurance laws

How Louis Law Group Can Help

Filing an insurance claim can be overwhelming, and a denial makes it even more frustrating. Louis Law Group can assist by:

• Reviewing your insurance policy and denial letter
• Gathering additional evidence to strengthen your case
• Negotiating with the insurance company for a fair settlement
• Filing a lawsuit if necessary

If your claim was unfairly denied, our legal team is ready to help you fight for your rightful compensation.

Contact Louis Law Group today for a free case evaluation

Frequently Asked Questions (FAQs)

1. How long do I have to appeal a denied insurance claim in Orlando?

The timeframe depends on your policy, but Florida law generally allows a limited period for appeals. Act quickly to protect your rights.

2. Can I still receive compensation after my claim is denied?

Yes, many denied claims can be overturned by providing additional documentation, requesting a second inspection, or taking legal action.

3. What should I do if my insurance company is delaying my claim?

If your insurer is delaying your claim without reason, you may have grounds for a bad faith lawsuit.

4. Does homeowners insurance in Florida cover hurricane or flood damage?

Most standard policies cover wind damage but exclude flood damage, which requires separate coverage.

5. What if my insurance company refuses to negotiate?

If negotiations fail, an experienced insurance attorney can take legal action to recover your rightful compensation.

Conclusion

A denied property insurance claim in Orlando, Florida, doesn’t mean you have to accept the decision without a fight. By understanding why claims are denied and taking the right steps, you can increase your chances of overturning the denial. If you need expert legal help, Louis Law Group is here to assist you. Are you ready to fight for the compensation you deserve?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.