Home insurance is supposed to protect any property you own in Florida. If your claim is denied you probably have a lot of questions, especially if you believe the claim was valid based on your policy. Fortunately, there are steps you can take to dispute your denied claim, as illustrated by Money Crashers.
Look through your policy
There are a lot of reasons why your home insurance claim may be denied. That’s why it’s important that you understand the details of your policy, which will help you determine whether an error was made. Pay special attention to two areas. First, look over policy limits, which stipulate how much money is available in the event of damage to your home. Also, review your rights to make sure your claim was compliant.
Compile your evidence
If your claim meets the criteria within policy documents, the next step is to bring together evidence showing its validity. This can include a variety of information, including the date the incident happened, the damage that occurred, details of conversations you had with the insurance company, as well as any other pertinent information. You can also take pictures of the damage and have witnesses give statements on your behalf.
Appeal the decision
Once you have the information you need, the next step is to formally appeal the decision made by your insurance company. Along with the above evidence, you’ll also need to show that you weren’t negligent in the care of your home. You can do this by presenting documents on home inspections and maintenance, which will prove that you’re a conscientious homeowner. If the claim is still denied, the next step is to take your insurance company to court, which requires the help of a skilled and experienced attorney.