PROPERTY INSURANCE CLAIM LAWYERS
Damage to your home from storms, fire, accidents or other disasters can place a heavy financial burden on a homeowner. Because of this, homeowner’s insurance is a must-have. However, insurance companies are in business for profit, which means that they are going to try to find a reason to deny a claim or give you a low-ball repair estimate. If you received a denial or low-ball estimate, fill out this form for a free case evaluation to learn how our property insurance claims attorneys can help you.
How Insurance Companies Deny Claims
Before you make a claim, review your homeowner’s insurance policy to make sure the type of claim you have is covered. In some cases, an insurance company will deny the claim, stating that it is not covered. One of the common occurrences is roof damage. If the roof was damaged by hail or wind, an insurance company might tell you that the roof was damaged because of wear and tear, which is not covered under most policies. Our property insurance claim attorneys will investigate your claim and help you appeal the insurance company’s decision, whether it was a low-ball offer or an outright denial.
If an insurance company avoids paying a legitimate claim, it made an insurance denial in bad faith. If this is the case, you may be able to sue the insurance company for breach of contract. In some states, you may even be able to sue the bad faith insurance denial as a tort. If you can sue as a tort, you may also be able to recover punitive damages, other enhanced penalties, and attorney’s fees and costs.
Appealing the Insurance Company’s Decision
Before appealing the insurance company’s decision, we will review your policy to ensure that the claim you made should be covered and if the claim was made inside the insurance coverage period. We will also ensure that you didn’t inadvertently fail to meet a condition of the coverage.
Even before you contact our office, take extensive pictures of the damage. They could help with your appeal. Pictures should be taken at every angle, from a distance as well as close-up. Also, take pictures at different times of the day as the lighting from the sun changes how things look in photographs.
Requesting an independent appraisal of the damages may be necessary. Many insurance policies allow for an independent review for a second opinion. Finally, show that you are a responsible homeowner who took every possible precaution to prevent the damage from happening, especially if the insurance company insinuates or tells you that the damage was due to your own negligence. This type of proof may include receipts for fire extinguishers, smoke detectors and security systems, and proof that your property was up to code.
Contact a Property Insurance Claim Lawyer
If your property insurance company denied a legitimate claim or gave you a low-ball offer, contact our property insurance claims attorneys at Morgan & Morgan for assistance. When it comes to insurance companies, size matters. With more than 400 lawyers and 50 offices nationwide, we have the resources to fight even the biggest insurance companies. At Morgan & Morgan, we treat every case personally and every client like family, ensuring you get the best service possible. Discover what we can do for you and schedule a free case evaluation today.