Undoubtedly, it can be infuriating to receive a letter from your homeowner’s insurance company stating that your claim for property damage has been denied because it is excluded or due to a lack of coverage. After all, damage like whatever it is that has recently affected your home is the very reason that you have homeowner’s insurance. To add insult to injury, since you live in Florida, you pay a lot of money to insure your home against damage.
Before I get into an explanation of why the insurance company may have denied your claim, I feel that it is important that you understand that even though the insurance company has essentially said “no” to your claim, it is still quite possible that you will be able to recover on your claim for the damage that has occurred in your home. Now that you know that you don’t have to take “no” for an answer, it is time to look at the reasons why the insurance company may have denied your claim so that you (or your attorney) can know where to begin as you start trying to get that “no” turned into a “yes”.
One possible situation is that your insurance company may tell you that your claim is excluded under the terms of your homeowner’s policy. Different insurance companies write their policies in different ways, with some listing specific types of damage that are covered by the policy and others stating that they cover everything except certain items, which are referred to as the exclusions. Sometimes, the difference between a loss being included within the coverage of your policy and being excluded from it lies in how you and your insurance company interpret the terms of your policy. A skilled Florida Property Damage Insurance Claims Attorney may be able to help you resolve the dispute with your insurer by explaining to the insurer how the facts of your claim do not match the descriptions of any of the exclusions on your homeowner’s insurance policy.
Another possible reason for a denial of coverage by your insurer is that there is no coverage for your claim. Again, a difference in interpretation may be to blame. Insurance companies tend to interpret insurance policies in a way which would be the most favorable to them, which often means denying as many claims as possible. Fortunately, your Florida Property Damage Insurance Claims Attorney can compare your insurer’s statement of reasons for denying your claim with your homeowner’s insurance policy and then communicate with your insurer about how the facts of your claim match the descriptions of one or more types of losses that are covered by your homeowner’s insurance policy.
If your insurance carrier is refusing to comply with its contractual obligation, you are invited to contact our law firm to speak to an experienced Miami insurance claims attorney. My law firm specializes in representing policyholders in claims disputes in Miami and throughout Florida. Click here to read about some of our case results. 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.