What to Do If Your Wildfire Insurance Claim Is Denied

If you’ve lost your home or property in a wildfire, your first step was probably to file an insurance claim. But what happens if your insurance company denies, delays, or underpays your claim?

Unfortunately, this happens more often than you might expect — and when it does, you still have options. At Morgan & Morgan, we help wildfire survivors stand up to insurance companies and fight for the compensation they’re owed.

Why Are Wildfire Claims Denied?

Insurance companies may deny wildfire claims for reasons like:

• Alleged lack of coverage for wildfire-related losses
• Claims that the damage pre-dated the fire
• Allegations of insufficient documentation
• Arguments that property was not adequately maintained
• Disputes over the cause of the fire

In some cases, insurers may act in bad faith — unfairly denying or minimizing valid claims to save money.

You Don’t Have to Accept a Denial

If your claim was denied or undervalued, you may still be able to:

• Appeal the decision
• File a complaint with your state’s insurance commissioner
• Take legal action for bad faith or breach of contract

Our attorneys can review your insurance policy and the reason for denial to determine if your insurer acted unfairly — and help you fight back.

How Morgan & Morgan Can Help

When insurance companies fail to uphold their promises, we step in. Our legal team can:

• Review your policy in detail
• Gather documentation to support your losses
• Negotiate directly with your insurer
• File a lawsuit if necessary

We have experience handling complex wildfire claims and representing clients against some of the nation’s largest insurance carriers.

You Paid for Coverage — Now Make Sure You Get It

You shouldn’t have to go through a second disaster after a fire. If your wildfire claim was denied, delayed, or underpaid, don’t wait.

Contact Morgan & Morgan today for a free case review. We may be able to help you recover the compensation you need to rebuild.