Having your insurance claim denied can feel like a slap in the face. However, if your claim is denied, you have options. You have the right to appeal your claim and to hire legal representation.
You’ve paid your insurance premiums in full and on time. You submitted a thorough claim, ensuring you included every necessary detail. You wait patiently for your insurance company to offer you a fair settlement. Then you find out that your claim has been denied. What now? Do you just give up, move on, and absorb the loss yourself? No, because you have options. One of your options is to hire a well-versed Orange County insurance claims attorney to help you handle your insurance claim denial.
Determine Why It Was Denied
The first step in handling your claim is to determine why it was denied. Without knowing this, you won’t know how to manage your appeal. When your claim is denied, your insurance company must send you a formal letter. You can find an explanation in that letter referencing the specific language in your policy that justifies their denial. Take the time to go over this letter carefully. You may want to enlist the help of a knowledgeable Orange County insurance claims lawyer. A lawyer is well-versed in insurance policy language and might be able to easily identify why your claim was denied.
Legitimate reasons for denying your claim might include unpaid premiums, or the type of loss you suffered is excluded from your policy. If your insurance company denied your claim for one of these reasons, unfortunately, there’s nothing you can do.
However, if it wasn’t for one of those reasons, you should call your claims adjuster or your insurance agent. Let them know why you think your claim should be covered. If you can, show them the part in your policy that backs up your position or refutes theirs.
File an Appeal
If talking to your agent or claims adjuster doesn’t resolve the situation, it’s time to file a formal appeal. The appeals process is outlined in your homeowner’s insurance policy. It’s critical to note that you only have a limited amount of time to file your appeal. Once you receive your denial letter, the clock is ticking. The amount of time you have should also be listed in your insurance policy documents.
Not only should you ensure that your appeal is submitted in time, but you should also ensure that it is thorough. Many people choose to hire a skilled Orange County insurance claims lawyer to handle their appeal. An attorney has experience with appeals and knows what it takes to have a successful appeal.
Consult with a Seasoned Orange County Insurance Claims Attorney Today
If your insurance claim was wrongly denied, you need a strong advocate on your side to help you get the compensation that is rightfully yours. You can find that advocate at the Law Offices of Jerrod Paul. Under Florida law, you may also have other options. Call (407) 588-0343 or contact us online today to schedule your consultation with a seasoned Orange County insurance claims lawyer.BACK TO BLOG