Advice for Homeowners Whose Claims Have Been Denied

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

If you have homeowners insurance, you probably feel confident that it would help you to afford the costs of repairing your home if it were damaged. In many cases, it is true that your insurer will help you cover the costs of repairing your home. What you may not know is that getting those costs covered is not likely to be easy. Insurance companies are businesses, and, like all businesses, they are concerned about making as much money as possible. When you think about the work that an insurance company does, you can see that in order to make as much money as they can, insurance companies must pay out as few claims as they can, for as little money as they can.

As a homeowner, the above statement is likely to have made you furious because you pay plenty of money for your insurance and you do not have the time to fight with your insurer about why your claim should be paid or why the settlement offer that they have extended to you is completely inadequate. Fortunately, you do not have to make time to fight that battle, nor do you have to take your insurance company’s “no” for an answer.

If your claim has been denied, know that your insurer is legally obligated to tell you why. Read your denial thoroughly, because understanding the reason for the denial can help you know what kinds of information you could gather which could cause your insurer to change their mind about denying your claim. Also, it is entirely possible that your insurer fails to state an actual reason for the denial. This can also be helpful in getting your claim moving in a different direction.

In addition to reading the denial of your claim, read your insurance policy. It spells out the rights that you have under your insurance policy, and it is possible that the denial of your claim was made in violation of one of those rights, either intentionally, or by mistake. If you find that this has happened in your case, this can be a starting point for discussion with your insurer about why they should settle your claim.

The aforementioned suggestions may be helpful to you if your homeowners’ property damage insurance claim has been denied. Many homeowners have used strategies like these to engage with their insurers and persuade them, often after investing quite a bit of time and energy into the process, to turn their denials into settlements. If you feel discouraged because your claim was denied and you do not think that you have the time and energy to do battle with your insurer, do not give up. Instead, call a Florida homeowners property damage insurance claims attorney.

I am an experienced Miami homeowner’s property damage insurance claims lawyer, and I help people fight their denied property damage insurance claims.  My law firm represents homeowners in claims disputes in Miami and throughout Florida.  The Law Firm of J.P. Gonzalez-Sirgo, P.A. offers free consultations and case evaluations.  No Recovery, No Lawyer Fees.  Call 305-461-1095 or Toll Free 1-866-71-CLAIM.

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