Has Your Property Insurance Claim Been Denied?
Suffering any type of property damage or loss is one of our worst fears as homeowners. The financial and emotional toll that follows is more than most can bear. To add insult to injury, insurance companies may offer less than satisfactory compensation, or even worse, deny your claim outright.
Here at Merlin Law Group, our experienced attorneys specialize in first party property rights. We represent the policyholders, not the insurance companies. When facing one of the toughest moments of your life, we’re here to help you along the way. Our goal is to maximize your claim and recoup your entitled compensation. Insurance providers often find ways to get out from under the burden of honoring your policy. Merlin Law Group will fight to prevent that from happening.
What To Do When Facing An Insurance Claim Denial
It’s your worst-case scenario—your claim has been denied. You still must deal with the repercussions of damage and loss, but without any help from the very company you put so much faith into. Although it seems like it, not all hope is lost. Merlin Law Group has helped many different policyholders through property insurance claim denials.
A good first step after your insurance claim denial is to go back through your policy prior to appealing the decision. You need to fully understand the parameters of your coverage, specifically what is and isn’t covered. For example, your policy may include coverage for wind damage, but not water damage. A hurricane can bring both, thus leading insurers to nullify your claim.
Be sure to examine the insurance claim denial letter to pinpoint the exact reason why your claim was denied. Was it the fault of the insurance adjuster? An independent adjuster? Identifying the reason for denial helps with formulating the appeal strategy.
Another step is to examine the evidence put forth. Was your photo or document evidence lacking? If so, be sure to gather sufficient photographic evidence of any damage incurred. Also, keep track of any documentation between you and your insurance provider, receipts for any repair services rendered, or repair goods purchased.
You can also seek the help of a public adjuster. Where an insurance company’s adjuster works for them, a public adjuster works for you and can provide an independent assessment of your total loss. Their assessment can be compiled with your evidence in putting forth an appeal.
Finally, another option is to pursue litigation via a property insurance claim attorney. Many law firms may claim to specialize in claim disputes but focus in other areas such as personal injury. Merlin Law Group is reserved to property insurance claims on the side of the policyholder. We can help piece together your case in terms of evidence, independent assessments, and trial (if necessary).
Types Of Losses
Property insurance claims can be broken down into many different facets. Since our firm exclusively specializes in property insurance litigation, you can rest assured we have seen it all regarding type of loss. You can find detailed information on the specific area you are looking for by navigating to one of our other pages: