Home Insurance Claim
Although insurance companies should honor valid homeowners’ insurance claims, our attorneys have witnessed instances where companies have misinterpreted policies and claims to minimize payouts—or simply refused to pay.
At Morgan & Morgan Insurance Recovery Group, we understand that these denials can have devastating financial effects on claimants whose homes are in need of repair. These issues can be exacerbated in the aftermath of hurricanes, tropical storms and other catastrophic events because a large number of policyholders are making claims during the same time period. Our attorneys have extensive experience working with clients who have been shortchanged by their insurance companies and have succeeded in recovering the compensation to which our clients were entitled.
If you have a homeowner’s insurance claim that has been denied or undervalued, legal recourse may be available. Please fill out our no charge case review form to find out how our homeowner’s insurance claim dispute attorneys may be able to help you file a claim dispute to recover compensation for your losses.
How can an Attorney Help me File a Claim Dispute?
Our attorneys can examine your policy to determine your coverage and any payment(s) the company is required to make. The attorneys may also conduct a thorough investigation into previous and current home inspections, audits and other documentation on your home, which can be helpful in settling your claim dispute.
We understand that dealing with an insurance company can be difficult. These companies have made the process of filing and collecting on insurance claims a daunting task, with the hopes that most policyholders will abandon their claims, especially after being denied compensation. We aim to simplify the process of disputing insurance claims to help ensure homeowners receive the full amount available under their policies.
Does my Policy Cover the Damage?
Determining whether the damage incurred is covered by the homeowner’s insurance contract is one of the most common issues presented by insurance claim disputes.
Typically, homeowner’s insurance covers property damage (including residential premises, unattached structures, and personal property) as a result of unexpected events such as fire, wind, hail, vandalism, and theft; however, coverage will be determined by the policyholder’s specific insurance policy coverages.
There are five standard residential insurance policies, each covering different types of damage. It is important to note that flood insurance is not included in homeowner’s insurance and must be purchased separately.
Why was my Claim Denied?
If your claim has been denied, the first thing to know is that insurance companies are for-profit businesses; it is in their best interest to avoid paying claims. If a home has been damaged, the insurance company may offer a low-ball settlement or deny the claim altogether to avoid depleting their cash reserves. To avoid paying claims, the insurance company may try to categorize the
damage as exceeding the scope of the policy. They may blame the damage on factors other than those covered by the policy, or offer a low-ball settlement should they determine it is a valid, unavoidable claim.
For example, roof damage is often a point of contention between insurance companies and homeowners. The homeowner will file a claim stating that the roof was damaged by hail, the wind, or natural disasters, while the insurance company will allege the damage is a result of wear and tear – which is not covered under the policy.
This disagreement is not uncommon in claim disputes, including those concerning hurricane damage, storm damage, lightning damage, fire damage, water damage, and mold.
Damage to your home can be costly, especially if your insurance company claims your homeowner’s insurance policy does not cover the damage. If you believe your insurance provider has wrongfully denied your claim or offered a less-than-acceptable payout, please fill out a case review form to find out if our attorneys may be able to assist you.