All homeowners should carry homeowner's insurance. Typically, homeowner's insurance policies provide money to help pay for repairing or rebuilding the home if it is damaged under certain conditions. Homeowners obtain homeowner's insurance in order to protect their property in the event of a natural disaster or some other destructive event. In addition, most homeowner's policies provide money to help pay for damage to personal property belonging to the homeowner. Depending on your policy coverage, you may be able to make a claim for damage to your home and personal property that occurs as a result of rain, wind, water, flooding, landslides, fire or theft.
Although insurance companies should honor their obligations when a valid claim is made, they often interpret policies to minimize the required payment or simply refuse to pay. If your home has been damaged, your insurance company will often try to get you to settle for as little as possible. In some cases, insurance companies deny valid claims in order to avoid depleting their cash reserves. These issues are exacerbated in the aftermath of catastrophic situations that affect many policyholders, such as hurricanes, because large numbers of people are making claims during the same time period.
The issue that most commonly arises regarding homeowner's insurance policies is whether the damage sustained to the property is covered by the policy. This is often a problem with claims for roof damage. Hail, wind, and hurricanes can be very destructive to roofs, but some insurance companies attempt to deny roof damage claims by attributing the damage to wear and tear. In other cases, they offer piecemeal repairs instead of paying for a replacement roof. If you are entitled to a full replacement of your roof after damage from a storm, the insurance dispute attorneys at Morgan & Morgan will work hard to make sure that your roof damage claim is resolved in a timely manner.
Some additional causes of homeowner's insurance claim disputes include:
If you are having trouble getting your homeowner's insurance claim resolved, contact the insurance dispute lawyers at Morgan & Morgan today. We will review your policy and advise you on your rights and coverage. If your claim has been wrongfully denied or unfairly delayed, we will advocate on your behalf and compel the insurance company to meet its obligations. Complete the Free Case Evaluation form to learn more about your legal rights.
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