After such a devastating hurricane season, you may have found you are left with massive damage to your property that interferes with your livelihood and causes a major financial strain. Filing an insurance claim should help though, right?
Theoretically, yes. In practice, not always.
There are times when an insurance provider will deny a claim, sometimes even in bad faith. Below is some helpful information about claim denials, including why your claim may have been denied, some tips for appealing, and why you should consider hiring representation to combat a bad-faith claim denial.
Common Reasons for Claim Denial
There are a few common reasons for an insurance denial during hurricane recovery. These include:
- Insufficient coverage
- Lack of proper documentation
- Policy exclusions
- Valuation disputes
Appealing the Denial
If your claim has been denied, make sure you review your claim to see if any mistakes were made. If you don’t find any, reach out to your insurance company to discuss why your claim was denied. Stay calm and pay attention to detail. Take notes, and even consider recording phone calls.
After you’ve spoken with your insurance provider, if you believe there is still a mistake and would like it addressed, write a formal appeal letter. This should include your policyholder information, the claim number, why you disagree with their decision, what evidence you have, and what outcome you would like.
Be sure you are prompt when filing this appeal and be persistent. Don’t let your insurance provider ignore you and try to shrug you off. If you are owed compensation, they are legally required to provide you with it.
Consider Hiring Representation
Navigating the insurance denial and appeal landscape can be extremely difficult to do on your own. If your claim has been denied, you may want to consider hiring a representative to ensure you get the money you are owed. Colucci Law Group is here to provide you with the support you need to fight a bad-faith claim denial.
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.