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When an insurance claim is denied, what options do I have for appealing the decision?

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It is possible to appeal a decision to reject a claim for hurricane or storm damage made to your insurance company. Your first step should be to investigate the basis for the insurance company’s denial of your claim. Your next course of action can be informed by the insurance company explaining why they denied your claim.

They may say in the refusal letter that you did not submit sufficient proof, such as pictures of storm damage. The next step is to file an appeal, in which you will include the missing proof from your insurance claim. Then, the insurance company will pay out your claim. You can always take a claim denial to court.

Should I Use a Lawyer to Defend a Denied Insurance Claim?

An Orlando car accident lawyer can be invaluable in legal concerns like appealing a claim denial. An insurance company’s denial of a claim for storm damage repairs to a property can be particularly upsetting.

Proof Required for an Insurance Claim

If you are concerned that your insurance claim may be denied and have not yet submitted it, you should begin the process by gathering as much evidence as possible. More evidence means a faster claim processing time from the insurance company.

For what reasons do insurance firms reject legitimate claims?

Insurance companies have a wide range of acceptable justifications for rejecting claims. If a storm damaged your home and you waited too long to make a claim with your insurance provider, your claim may be denied.

Some common reasons why an insurer might say no to a claim are outlined below. How the insurance company puts it:

  • You missed the deadline for filing your claim
  • You failed to maintain continuous coverage by paying the required premium (which could be disputed)
  • The insurer wasn’t informed of important details about the property because of your failure to disclose them.
  • The evidence you presented was insufficient.
  • Either you lied, or you altered your tale.
  • In other words, you failed to take any precautions.
  • No coverage was provided for the damage to your residence (which could be in dispute)
  • You either caused the damage on purpose or made it far worse by your actions or inactions.
  • Repairing your home would be cheaper than paying your insurance deductible.
  • Your neglected property is in disrepair.
  • The maximum amount of money you can get under your policy is limited.

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