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What Can I do If My Insurance Company Denies My Claim?

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What Can I do If My Insurance Company Denies My Claim?

Unfortunately, statistics show that insurance companies often deny property damage claims in Miami. It is sad that homeowners pay their premiums only to find their claim denied when they need their coverage most. Homeowners insurance companies can deny your claim for several different reasons, some are reasons that warrant a denial and others are reasons that can be fought by a Miami property insurance claim lawyer. If you have a claim denied always speak to a Miami property insurance claim lawyer to understand your rights. At PereGonza The Attorneys we offer a free case evaluation for insureds that have their claim denied out right by the homeowners insurance company.

Understand Why The Claim Was Denied

If you have been denied a property damage claim, the first step would be to read the denial letter sent to you by the Insurance company explaining why your claim was denied. It is always recommended that you take the denial letter to a Miami property insurance claim lawyer so that they can evaluate the denial thoroughly. There is a possibility that the claim may have been denied for unfair or improper reasons and a Miami property insurance claim lawyer can help to explain what your legal options are. Our team of property insurance claim lawyers are ready to help give you a free case evaluation and explain some legal options that may be available to you. PereGonza The Attorneys specialize in homeowners insurance litigation and we can help to dispute any wrongful denials or at the very minimum explain your rights.

Hire A Property Insurance Claim Lawyer To Represent Your Interest

In many cases it is always recommended to retain the services of a Miami property insurance claim lawyer. A good attorney can appeal the denial directly with your insurance company, it is particularly important to have all your documentation including any possible pictures of the damages along with estimates and proof of any repairs covered. In some cases, when an insurance company is acting in bad faith there are ways that a Miami property insurance claim lawyer can argue a separate claim for bad faith along with possibly file formally with the Florida Office of Insurance Regulation if it is necessary. A property insurance claim lawyer can reach out directly to the claims adjuster and explain the legal merits of your case along with negotiate and pressure them to pay out the covered damage. If this does not work the next step is a formal lawsuit.

File a Lawsuit Against The Insurance Company

If the insurance company refuses to pay for covered damages, the only other recourse available will be to file a lawsuit. Many people are deterred from suing to enforce their rights because they may be scared of the legal process or attorney’s fees involved. Don’t be afraid! A good Miami property insurance claim lawyer will guide you through the process and take care of everything, many times, in some cases, our lawyers can argue that the insurance company must cover the attorney’s fees for the insured. Here at PereGonza The Attorneys, we represent homeowners every day and fight against insurance companies to protect the homeowner’s rights. Our team of property insurance claim lawyers offer a free case evaluation for denied property damage claims. If our team feels you have a case we take these cases on a contingency fee bases which means you do not owe us anything unless we win the case.

Written By: Ana Lugo

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