Florida Denied GEICO Claim Lawyer
The Government Employees Insurance Company (GEICO) is one of the top insurance companies in the United States. People often assume that they are a consumer-friendly company because of their friendly television commercials. But you have to remember that they’re not a top-performing insurance company because they give generous payouts for the claims they received. They’re top dogs because they are run by shrewd business executives whose primary objective is to bring in as much profit as possible. So please, don’t expect your GEICO property claim to be an easy process, and be prepared for your property claim to be denied.
In Florida, you have to be careful about what your property insurance covers—or doesn’t cover—because of the state’s frequent extreme weather.
Denied GEICO Property Claims
GEICO property claims can be denied for valid reasons. However, there are instances where your request will be rejected and the reasons described in the denial letter are not appropriate to the claim. GEICO often denies claims by stating that the damage is less severe than claimed. Remember, paying out as little as possible is how they make money.
They could, for example, claim that something you did contributed to the loss or damage, like hiring a workman who did a sub-standard job. Or, let’s say you took out insurance for hurricane damage, and your home is hit by both the hurricane and a flood stemming from a surge of water that arrived a couple of hours the storm. GEICO may refer to the ‘anti-concurrent’ clause in your policy and tell you that you aren’t covered for flooding. Since the flooding happened after the hurricane, your GEICO property claim was denied.
Insurance policies are notoriously complicated and difficult to understand. You might think you’re covered for everything, and only find out you’re not after something bad happens. Complex legalese is used with the specific intention to confuse consumers so that loopholes can be found and insurance claims denied.
Protect Yourself Against a Property Claim Denial
There are several things you can do to try and safeguard yourself from being taken advantage of by unscrupulous property claim adjusters. Be careful what you say to them. Don’t let them record any conversations, and don’t accept their first offer. GEICO has a crack team of property claim lawyers to fight property insurance claim disputes in court. That’s why the best thing you can do is hire a lawyer who has extensive experience in dealing with denied GEICO property claims.
Your lawyer will know all the tricks GEICO agents and lawyers use. They will also know which state laws GEICO could be violating by denying your claim. For example, GEICO is bound by law to act in good faith. If they have not appropriately investigated you claim or properly communicated with you, they could be breaking state law because they have not acted in good faith. If GEICO misrepresented specific policy provisions which led you to believe you were covered for an event that you’re not covered for, and then denied your claim, they could be held liable for misrepresentation. A reputable and experienced law firm will know what steps to take to have your denied claim settled fairly.
Hire an Experienced Law Firm Like Louis Law Group
A lawyer from Louis Law Group can help you deal with a denied GEICO property claim. The firm’s lawyers have successfully handled dozens of denied property claims. They know all the tricks that insurance companies usually resort to. They know exactly what should and shouldn’t be said to adjusters when processing a claim, which can ensure that nothing in your statement can be used against you to deny your claim. And they know how to do the complicated calculations involved in a property claim.
Do yourself a favor and find a reputable Florida denied GEICO property claim lawyer to ensure you get paid what you deserve, and not a penny less. You’ll be in good hands with the team at Louis Legal Group. Contact us today to learn how we can help you, call (954) 676-4179.