You open a letter. When you look inside, you are met with both feelings of shock and disappointment. Your insurance provider has denied your hurricane damage claim.
If this has happened to you, you may be considering what your options are. Below are some tips for reopening a claim denial.
Consider Why Your Claim Was Denied
Before the process of reopening your claim, it’s important to first understand why your claim was denied. To do this, review your policy. This will help you to better understand your coverage limits, deductibles, and exclusions. If you have met all of the necessary conditions, you can appeal the claim.
Reopening a Claim
In order to reopen your claim, you’ll first want to start by gathering evidence. This may mean photos, videos, repair estimates, and/or written lists of the damage. You’ll also want to collect any correspondence you have had with your insurance company. This includes both phone and email.
Next, you’ll want to write a formal letter of appeal. In this letter, you’ll want to include the claim number, why you were denied, and why you believe your claim was incorrectly denied. Be concise, professional, and organized, and have your evidence prepared.
As most people never write these letters, consider hiring a professional that is able to properly word the letter and knows what specifically to include. This can help to improve the chances of your denial being overturned.
There is a chance that your insurance provider has not only made a mistake but has actually denied your claim in bad faith. If this is the case, you’ll want to speak with a law firm that specializes in fighting bad faith claim denials. The same is the case if your insurance provider has underpaid your claim.
Reach Out to a Law Firm That Specializes in Bad-Faith Claim Denial
If you need support in reopening your claim or you feel like you are the victim of a bad-faith claim denial, reach out to Colucci Law Group for support.
Colucci Law Group consists of legal experts who provide clients with support to fight bad faith claim denials. We will provide you with an outstanding property insurance lawyer to represent you in a suit against your insurance provider. We are also able to file your claim for you and defend your rights, so you get the settlement that you deserve.
For more information about our property insurance legal services, reach out today. We’d be happy to help you to file your claim or represent you in a lawsuit against your insurance provider.
If you suspect that you are the victim of a bad-faith insurance claim denial, we can help. The Colucci Law Group has the resources to assess the validity of your claim at no cost to you. For a free consultation, email us or call our Dunedin office at 727-733-9438. You may also call our Fort Myers office at 239-378-7800. Our team assists victims of bad-faith insurance claims across the state of Florida.