If you have homeowner’s insurance, you probably never imagined you’d ever need to make a claim. If you did, you may have felt confident that any claim you made would cover the repair costs for the damage your property sustained. However, no matter what many insurance companies say in their cheerful advertisements, this isn’t always the case.
An insurance company is a for-profit business. Their main goal is to make money, not pay it out. Many times, insurers underpay claims by minimizing the value of the damage, or deny claims outright. Some insurance policies include specific clauses that require such things as a mandatory appraisal. This can leave you and your family feeling lost and helpless. But if this happens, you have more options than your insurer would have you believe.
However, if your claim was denied or underpaid for the wrong reasons, you can seek recourse. You may think that after your insurance company denies your claim, it’s the end of the discussion. Wrong!
Many insurance companies have set time limits on when a claim can be filed. So read your policy! Knowing what your policy covers is essential to mitigate the damage and protect your property. Unfortunately, filing claims for any sort of property damage is time-consuming and challenging for those unfamiliar with the process.
It’s possible to work with your insurance company on your own to appeal a denied property claim, but it’s in your best interest to hire an attorney. For one, your insurance company may not take you seriously and will cause you to spend a lot of time – time you may not have – on dealing with an appeal. Hiring an attorney will not only speed things up, but your insurance company will probably settle with you faster.
Don’t feel bad if you get frustrated dealing with your homeowner’s insurance company. A denied insurance claim can cause a lot of stress and even a sense of hopelessness. But remember: you have options, and an initial denial of your application isn’t always the end. You still might get the settlement you need to recover from this trying time.
If your property damage claim was denied or underpaid, it’s essential to contact an insurance claims lawyer. They have the experience and expertise it takes to help you examine your options and plan the steps you may need to take. Our team can handle any denied insurance claim. We know are all of the Florida Insurance Codes and have helped many homeowners receive the settlements they deserve. If your claim was denied or underpaid for what you feel is the wrong reasons, contact Louis Law Group at (954) 676-4179 for a free no-obligation consultation or case evaluation.