Why Your Insurance Company May Have Denied Your Insurance Claim

Why Your Insurance Company May Have Denied Your Insurance Claim

Why Your Insurance Company May Have Denied Your Insurance Claim

Have you recently suffered from property damage that required you to file claims with your insurance company?  Policyholders can file claims to use insurance money to make repairs and renovations that will restore their home and property to its original condition before the damages.  However, insurance companies may deny your claim.  As a property insurance claims attorney in Miami, FL, we help many policyholders get to the bottom of their denied insurance claims and fight for what they deserve.  These are a few of the most common reasons why your insurance company may have denied your claim.

You Did Not File Your Claim in Time

When you file an insurance claim, you need to pay attention to the time frame that you must file the claim.  Read the fine print of your homeowners’ insurance policy so that you can understand how many days you must file any insurance claims.   Many insurance companies deny claims that are not filed within the allotted and written time frame.  Avoid making this mistake by reading everything in your policy or asking for help from a professional as soon as you recover from the damages.

You Did Not Pay Your Premiums

When you have not been paying your insurance premiums, or you are not up to date on your payments, your company may deny your claim outright.  To make this right, settle on your payments to show that you take it seriously.  Contact a property insurance claims attorney in Miami, FL so that you can work through this issue and learn your legal rights on how to proceed with this situation.

You Fail to Provide Enough Information

When you file your property claim, you need to be transparent and honest about all the property information they need to collect.  If they catch you lying or find out you have hidden information, they may deny your claim.  For example, if you have suffered from electrical damage in an old home, but you claim that you have recently updated the wiring, they may catch you in that lie.  They will go searching for the evidence from the contractor that you claim to hire, and when they do not find it, it will reflect poorly on you.  To avoid these issues, be honest and provide evidence for everything that you say to your insurance company.  

You Did Not Provide Enough Evidence

Insurance companies require adequate amounts of evidence to prove that they need to pay a certain amount of money to make repairs and replacements.  Typically, insurance companies will work closely with adjusters to make proper estimates, collect videos, photos, receipts, and relevant documents.  However, if they believe that the evidence does not provide enough information to make payments, your claim may be denied.

You Caused the Damage

Your homeowners’ insurance policy will only protect you when the damages were caused by unforeseen circumstances.  These often involve storm damage, hurricane damage, lighting damage, water damage, or electrical issues that you could not have predicted.  However, if your insurance company discovers that the damages were deliberately caused by homeowners, they may deny your claim.  Because many people work to scam their insurance companies, they are always looking for these situations.  The best way to avoid these misinformed situations is to be diligent in providing them with all the evidence they need to understand the cause of the damages.

You Provide False Statements

Insurance companies do not have very much forgiveness for homeowners, no matter what the emotional toll the damages have taken.  When you file your claim, you will need to provide them with information about the claim, like when it happened, how it happened, and the extent of everything.  By providing false claims, you can ruin all your changes to get a settlement.  If they catch you in a lie, they may deny your claim and never look back.  Before you make any statements about something that you may even doubt just a little, take a step back and ask questions, look at evidence, and be sure what you are saying is right.  False statements, whether intentional or not, can ruin your chances at getting insurance money for your repairs and replacements.  If you are unsure of this aspect of your claim, work with a property insurance claims attorney in Miami, FL to have legal representation and protect yourself right away.

You Failed to Prevent Further Damages

Many insurance companies want to see that you have taken the steps to prevent further damage from occurring once your property was initially damaged.  For example, they want to see that you began to mitigate water damage by removing electronics and belongings during a flood.  If they do not see that you prevented further damage, they may not pay out your claim.  To avoid this, take all the steps that you need to protect your belongings and prevent any further damage, without putting yourself at risk in the process.

Your Damages were Policy Exclusions

Before you file your property claim, you need to have a clear understanding of your policy and its coverages.  Another common reason that your insurance company may deny your claim is because the damages may not be covered in the homeowners’ policy.  Read the fine print, hire an attorney, and work with the professionals to avoid making this mistake.  Also, if you have suffered from multiple types of damages, your insurance company may deny your claim if one of the damages was not covered.

These are a few reasons why your insurance company may deny your insurance claim.  However, if you believe that they are in the wrong and you want to fight for the settlement money to fix your home, you should hire a property insurance claims attorney in Miami, FL to help you fight.  Contact us to learn how we can help you with your case today.

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