When you’re buying insurance for your property, you never dream that your insurer might refuse to pay your damage claim. But more often than not, that is the case. Due to policy loopholes, insurance companies and even local governments often find a way out from paying you what you’re owed.
If you live in Florida, you might have already had issues with claims for damaged property. As a coastal state, Florida often deals with natural calamities like cyclones and hurricanes. If you include damage arising from crime, the potential for your personal property to be damaged is high. Whether it’s where you live or where you work, your property is essential to your livelihood. However, after it’s damaged, not all your insurance claims will be accepted. That’s why it’s vital to understand what you’re getting into when you sign a contract.
Understand the Policies
Before you lose patience, it’s imperative to understand why your claim was denied. The key is to be logical and try to understand the situation from the insurer’s perspective. When a claim is denied, the agency or company usually sends you a message explaining why your claim was denied. Under the Florida Homeowner Claims Bill of Rights, you should either receive your claim settlement or get notified why it was denied within 90 working days, starting from the day you submitted your loss statement.
While going through the notice, the questions you should be asking are:
- Did the agency or company misinterpret the nature or extent of your property damage?
- Did you submit full-proof documentation?
- Are your claims violating any state laws?
- Is the cause of the damage not covered by your policy?
If you’re still uncertain why your claim was denied, ask for an extended explanation.
Why Was Your Claim Denied?
You’re already facing hardship if your personal belongings have been stolen or damaged. On top of that, the people who promised you to compensate for your possessions are backtracking on their words and unwilling to pay up. Unraveling the series of events that led to your frustrating experience will pave the way to an acceptance of your claim.
- Failure to Submit within the Deadline: Insurance providers are very strict about deadlines. You should notify them of your loss as soon as possible. Never forget that communication is key.
- Inadequate Documentation: When you’re documenting your property damage, don’t leave any room for future questions. It’s your task to prove to the insurance provider that your claim is justified. Try to get witness statements to support your claim.
- Questionable Claims: After your home or workplace is affected by a natural disaster, your insurance provider will send someone to file a report regarding your claim. If they find any cause for suspicion, your claim will be denied.
- Exclusion Points: It’s important to read your insurance contract thoroughly before signing it. Some major causes of property damage are excluded by well-known insurance providers. If the cause of your property’s damage isn’t covered on the contract, your claim will be denied.
- Not Taking Necessary Steps: As a property owner, you must try to mitigate your loss by taking necessary precautions by doing your best to prevent further damage.
How Can You Avoid a Claim Denial?
A common saying in such a scenario is, ‘Time is money.’ When any part of your property is damaged, you shouldn’t get flustered. There’s a way to repair almost anything. However, if you think about it too long and don’t act, you run the risk of not getting the compensation. You must take immediate action avoid a claim denial.
- Notify As Soon As Possible: Notify your insurance provider of the events that led to your property getting damaged as soon as you can. The sooner you reach out to them, the sooner you’ll know what needs to be done.
- Written Documentation: Never take anyone’s word for granted. Whenever witnesses are involved, get their statements in writing. There are many ways to document evidence, such as through videos or pictures. If you speak with a property claim lawyer, you’ll have a better understanding of how to approach your situation.
- Paying Premium: Paying an extra amount gets you extra coverage on your policy that you might not have had otherwise. If you can afford to pay your insurance provider for a premium package, do it.
- Preventive Measures: After you suffer a loss, do everything within your ability to protect the remainder of your property. This will help you more than you realize when you file that claim.
- Contact Local Experts: If you’re a Florida resident, contact Louis Law Group. They can get all kinds of insurance-related issues sorted out fort you. It’s smart to get in touch with an expert who will know which path you should take to ensure your claim is accepted.
Who to Contact for Help
Amongst Florida’s well-known property claim lawyers, Louis Law Group is known for getting the job done. If your personal property is in Florida and your damage claim has been denied, contact LLG to get your claim approved or to submit a new claim statement.
When it comes to law-related issues, it makes sense to get an expert on your side. If you do, no one will be able to give you false explanations or deny you your rights. If your property isn’t in Florida, you can easily contact your local insurance office to get a better understanding of your denied claim.
Navigating the property insurance claim process can be confusing and time-consuming. Hiring an expert is the way to go – but even then, you should remain calm and collected. If you get flustered, it will only cause further harm to you and your denied claim.