If you’ve filed a homeowners insurance claim lawyer, you want to be sure that it will be approved so you can get the repairs or reimbursement that you need and deserve as soon as possible. However, there are times when an insurance company refuses to approve the claim and pays less than what the homeowner expects—or outright denies the claim altogether! If this happens to you, there are steps you can take in order to fight back and make sure you get what your insurance policy says you’re entitled to. Here’s how to handle it when your homeowners insurance claim is denied .
Common Reasons Homeowners Get Their Claims Rejected
Every insurance company has their own definition of what covered means. This discrepancy can lead to homeowner’s insurance claims being denied for both storm damage and fire. In the event that your claim was denied, here are some reasons your company may have cited:
– You didn’t get a formal quote from them (or any quotes) before making the purchase. Many homeowners insurance claim lawyer think that as long as they have homeowner’s insurance, they don’t need to purchase home insurance. They figure it will cover any potential problems with the home but this isn’t true. Homeowner’s insurance doesn’t always cover everything in your home, says Geri Ponto, an agent with Edward Jones in Des Moines. It usually only covers losses due to natural disasters such as wind or hail. Without homeowners insurance you won’t be able to recoup costs when other things go wrong like say if you accidentally light a match and set the house on fire.
How to Deal with an Insurer Who Won’t Cover You
It’s a hard situation when the homeowner’s insurance claim you filed with your insurance company has been denied. It seems like they should know better – after all, they have all of your information on file! Sometimes it pays to have an experienced professional on your side. Contact a homeowners insurance claim lawyer in your area and ask them what they can do for you. They may be able to negotiate with the insurer and push for coverage on your behalf or even represent you if this process escalates. In any case, it’s always good to have some legal expertise backing you up when it comes to getting things done. A homeowner’s insurance claim lawyer will let you know exactly where you stand legally and what your options are. With that knowledge, they’ll also be able to advise you on how to proceed accordingly. So don’t wait until it’s too late; reach out now so you’re ready before anything happens.
The best way to deal with an insurer who won’t cover you is to seek legal advice from someone who knows exactly how these situations go down. This isn’t just some random consumer speaking here – it’s actually a homeowner insurance claim lawyer who knows how these companies work and knows how to get results. If you take one thing away from reading this post, make sure it’s that not all insurers are created equal when it comes down to giving their customers proper service and fair treatment. Some of them simply won’t work with you unless there’s absolutely no other way around it, which means you need someone else on your side who will protect your rights as a homeowner and ensure justice gets served properly at every turn!
Contact the Underwriter Directly
If your homeowners insurance claim has been denied, don’t be discouraged! Though it’s not an ideal situation, there are things you can do to appeal. If you feel like you’ve been wronged, speak with a homeowners insurance claim lawyer. In some cases, an attorney may be able to help reverse a denial by contacting the underwriter and providing evidence of mitigating factors or past claims paid on your property. You should also consider that if this claim isn’t successful, the attorney’s services are provided at no cost if they’re contacted within one year of the initial denial.
Additional Resources and Warnings
If your homeowners insurance claim has been denied, it’s imperative that you seek the guidance of a seasoned professional for help with an appeal. Though every policy and circumstance are different, there are a few things that you should look for when seeking out an attorney. If you find one of the following qualities below in an attorney, be sure to contact them and see what they can do for you! *Someone who will answer any questions you may have *People who work hard in your best interest *someone with empathy who cares about those whom they represent