What you can do if your claim has been denied

If one of Florida's harsh storms results in significant damage to your home, it can feel like your life is out of control. However, you pay your home insurance premiums faithfully. You expect that the insurance company should help you through this stressful time and cover the damages.

Then they deny your claim. If this happens to you, here are some steps you can take to get the rightful compensation you deserve.

1. Learn why the insurance company denied your claim

You have the right to know exactly why your insurance company denied your claim. Some common reasons insurers give for denial include:

  • The claim is not covered in the policy
  • The damage did not meet the conditions for coverage
  • There is not enough evidence of damage

It is important to remember that many insurance companies work for profit. They often use unfair tactics to deny your claim in favor of protecting their own finances. That is why it is important to fully understand why they denied your claim if you are going to pursue compensation. 

2. Evaluate your policy

Keeping informed is the best strategy to use when dealing with insurance companies. If you know your policy, it is harder for your insurer to continue denying your claim with dishonest tactics. Review your policy so you understand the details of your coverage.

3. Document the damage to your property

A common reason insurance companies deny claims involves lack of evidence. However, that evidence is often from their own inspector they sent to your home after the storm.

That is why it is essential for you to collect extensive evidence of the property damage for yourself. Some useful forms of evidence include:

  • Photographs of the damage
  • Detailed inventory of property
  • Dates and times the damage occurred
  • Descriptions of how the damage occurred

You can also have a third party, such as a contractor, inspect the damage to obtain an official opinion.

It is helpful to try and prevent further damage to your home as well. Even though you file a claim to help reduce the financial stress of repairing the damage, insurance companies could claim homeowner negligence if the damage worsens over time. 

4. Contact your insurance company for reconsideration

If you find something wrong in your insurance company's denial after these three steps, then you should contact them to reconsider your claim and provide them with the new evidence. Unfortunately, it is still possible that they could deny or undervalue your claim.

Then you may want to consider moving forward with litigation or filing an appeal against your insurance company's decision. Acting quickly is essential if your claim has been denied, so you can obtain compensation and ease your stress as soon as possible.

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